Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
XXXXXXXX XXXX XXXX XXXX  TX XXXX Issue : This address is being reported incorrectly and does not belong to me. Its presence on my credit file is misleading and could result in confusion or fraud. 
Law : FCRA 609 and 611 grant me the right to accurate information and the ability to dispute errors. 
Story : I have never resided at this address. Its appearance on my profile could potentially expose me to liability or mistaken identity concerns, causing unnecessary hardship and risk of fraud. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : This address is foreign to my personal and financial records. 
Law : FCRA Section 602 requires credit bureaus to maintain policies to ensure maximum possible accuracy. 
XXXX : This error led to a misdirected billing notice affecting my standing with my current landlord and complicating verification for employment screening. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$9500.00} Opened : XX/XX/XXXX Issue : Charge Off reported in error, not informed of any prior delinquency as required by law. 
Law : FDCPA Section 807 prohibits false representation, FCRA requires accuracy of account status. 
Story : I was not notified or given an opportunity to cure any default. Reporting this as a charge off without prior notification has unjustly impacted my credit rating, escalating my loan costs and causing financial hardship. 

XXXX XXXX XXXX * * XXXX XXXX : {$1000.00} Opened : XX/XX/XXXX Issue : Account is showing charge off status ; no validation or detailed itemization provided despite my repeated requests. 
Law : FDCPA Section 809 and FCRA 611 require proper validation and correction of disputed items. 
Story : Repeated attempts to resolve this have been ignored, undermining my trust and causing distress about fraudulent or unauthorized transactions. 

XXXXXXXX XXXX XXXXXXXX * * XXXX XXXX : {$2100.00} Opened : XX/XX/XXXX Issue : Shows charge off ; not my legitimate account. 
XXXX : FCRA 602, 609 Right to dispute ; reporting must be accurate. 
XXXX : This entry is unknown to me and was never authorized. Its presence has hindered my ability to obtain employment that requires background checks, creating real life setbacks. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$510.00} Opened : XX/XX/XXXX Issue : Late payment marked without notifying me as the law requires. 
XXXX : FCRA, CFPB guidance Consumers must be enabled to correct or dispute records before negative reporting. 
Story : No bill or request for payment reached me. The negative mark resulted in declined applications for essential credit during an emergency. 

XXXX XXXX XXXX XXXX * * High Balance : {$6400.00} Opened : XX/XX/XXXX Issue : Late payment entry does not reflect any late statement on my end, never received notice. 
Law : FCRA requires timely notice before adverse reports. 
Story : The late payment blemished my record right as I was securing a car loan, causing higher rates and suspicion about my financial reliability. 

XXXX XXXX * * High Balance : {$27000.00} Opened : XX/XX/XXXX Issue : Late payment reported during a period when natural disaster/medical emergency impeded my payment ability ; not taken into consideration. 
XXXX : CFPB encourages lenders to provide hardship accommodations ( CFPB XXXX XXXX ). 
Story : Despite providing documentation of unavoidable hardship, my request for relief went ignored, and now my credit report is unjustly penalized. 

XXXX XXXX XXXX * High Balance : {$8900.00} Opened : XX/XX/XXXX Issue : Charge off without proper notification ; validation not received ; disputed. 
XXXX : FDCPA, FCRA. 
Story : My requests for verification have gone unanswered, raising suspicion whether this debt is truly mine or a case of identity theft or clerical error. 

XXXX XXXX XXXX * * High Balance : {$25000.00} Opened : XX/XX/XXXX Issue : Late payment status not justified or proved by records. 
Law : FCRA 611. 
Story : I made all payments as per my records. Reporting this as late has penalized me for a mistake I did not make, hurting my financial standing during critical times. 

XXXX XXXX XXXX XXXX * * High Balance : {$1800.00} Opened : XX/XX/XXXX Issue : Charge off, entry disputed, no validation or communication regarding the original debt. 
Law : FCRA requires accurate, validated data. 
Story : Without proof or communication, this charge off unwarrantedly drags down my score, adding to financial and emotional distress. 

XXXX XXXX XXXX * * * * High Balance : {$6700.00} Opened : XX/XX/XXXX Issue : Late payment marked erroneously, never given an account statement. 
Law : FCRA, XXXX XXXX. 
Story : No statement, no reminder, no chance to correctyet my credit is penalized, affecting my employment opportunities. 

XXXX XXXX XXXX * * * High Balance : {$550.00} Opened : XX/XX/XXXX Issue : Same debt as above double-reported, misleading lenders and partners. 
Law : FCRA No duplicate negative reporting. 
Story : This redundancy magnifies my perceived risk, leading to unwarranted rejections and lost opportunities. 

XXXX XXXX XXXX XXXX * * * High Balance : {$730.00} Opened : XX/XX/XXXX Issue : Collection showing, disputed, never received prior communication or an itemized statement. 
Law : FDCPA 809. 
Story : The lack of transparency makes me question if this is a real debt or an erroreither way, it severely hurts my creditworthiness. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX * * High Balance : {$1400.00} Opened : XX/XX/XXXX Issue : Collection, never had dealings with this agency, never got notified. 
Law : FDCPA requires XXXX to send written notice within XXXX days. 
Story : This unknown entry alarms me as a sign of possible identity fraud or misapplied collections protocol. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry without my authorization, affecting my score. 
XXXX : FCRA prohibits unauthorized hard inquiries. 
Story : I did not apply for any product requiring this inquiry, yet it has negatively impacted my credit. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry reported ; no application from me. 
Law : FCRA, XXXX XXXX. 
Story : Erroneous or unauthorized inquiries, like this, should not penalize my score or alert potential lenders to false activity. 

XXXX XXXXXXXX XXXX XX/XX/XXXX Issue : Inquiry ; not solicited, reduces eligibility for new accounts. 
Law : FCRA. 
Story : Repeated unauthorized inquiries chip away at my score, creating obstacles out of nothing. 

XXXX XXXX XXXX XX/XX/XXXX Issue : XXXX and unwanted, reduces score without cause. 
Law : FCRA 604. 
Story : My financial plans have been directly undermined by unauthorized activity on my file. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX Issue : Inquiry without application or consent. 
XXXX : FCRA, FDCPA. 
Story : My diligent efforts at responsible borrowing are being sabotaged by unauthorized party actions jeopardizing my reputation. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unsolicited inquiry damaging my file. 
Law : FCRA, XXXX XXXX. 
XXXX : Did not approach or authorize any transactionharmful and unfair. 

XXXX XXXX XXXXXX/XX/XXXX Issue : XXXX ; disputed and not connected to my request or consent. 
Law : FCRA 604. 
Story : Anxiety and unfair loss of financial access result from these unchecked inquiries. 

XXXX XXXX XX/XX/XXXX Issue : XXXX, no related activity from my side. 
Law : FCRA, XXXX XXXX. 
XXXX : The compounding effect of these baseless inquiries severely limits my financial growth. 

XXXX XXXX XX/XX/XXXX Issue : InquiryI was not shopping for credit. 
Law : FCRA. 
Story : My ability to borrow responsibly is unfairly hindered after false inquiry logs. 

XXXX XXXX XX/XX/XXXX Issue : XXXX not requested by me, unnecessary credit check. 
Law : FCRA. 
Story : My credit integrity is being repeatedly sabotaged by actions beyond my knowledge or consent. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Yet another unauthorized inquiry, not triggered by me. 
Law : FCRA, XXXX XXXX. 
Story : The ongoing and mounting acts of unauthorized inquiry paint a false picture, hampering my financial future. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Unrecognized inquiry lowering my XXXX XXXX. 
Law : FCRA, XXXX XXXX. 
Story : Innocent mistakes or malicious actseither way, unauthorized inquiries punish the consumer, not the perpetrator. 

RELIEF REQUESTED : XXXX. XXXX investigation and removal of inaccurate addresses XXXX. Full deletion of inaccurate, duplicated, and unverifiable negative accounts XXXX. Permanent removal of unauthorized inquiries from my credit reports XXXX. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored. 
Thank you for your assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation