Consumer complaint received 2025-09-17 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: SC

Complaint narrative:
I am writing to formally dispute and report multiple serious inaccuracies on my credit report that have caused significant financial and personal harm. These errors include wrong addresses, charge-offs, late payments, collections, and unauthorized inquiries. Each of these entries is factually incorrect or has been reported without proper verification, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) Sections 601, 602, 607, 609, 611, and 623. I demand immediate correction and removal of all inaccurate information. 
Accounts Dispute XXXX XXXX  XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$6800.00}, Charge Off This charge-off is entirely incorrect. I have never had any obligation on this account. Its reporting has caused my credit score to drop significantly, resulting in higher interest rates on loans I did qualify for and outright denials for necessary financial services. I have contacted XXXX XXXX multiple times to resolve this issue, yet the error remains. Reporting false information violates FCRA Sections 607 ( b ) and 611, which require accurate reporting and timely correction of disputed items. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$24000.00}, Charge Off I never opened or authorized this account. This incorrect charge-off portrays me as a delinquent borrower and has prevented me from accessing essential credit opportunities, including financing for a vehicle and home. I attempted to resolve this directly with XXXX but received no satisfactory response. FCRA Sections 611 and 623 ( b ) obligate credit reporting agencies to verify the accuracy of information before reporting, and this duty has been neglected. 
U S DEPT OF EDXXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$2200.00}, Charge Off This account is reported as a charge-off incorrectly. I have never held this debt. Its presence on my credit report has caused repeated confusion with federal loan servicers, resulted in misapplied payments on other accounts, and has affected my ability to refinance existing student loans at favorable rates. Under FCRA Section 611, any disputed item must be fully investigated and corrected, which has not occurred. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$740.00}, Charge Off This account has been falsely reported as a charge-off. I have never owed this debt. The presence of this inaccurate information has led to unjust denials of credit and unnecessary stress, including receiving collection calls and letters for an obligation that does not exist. Such reporting constitutes a violation of FCRA Section 611, which obligates credit reporting agencies to conduct a reasonable investigation of disputed items and correct inaccuracies. 
XXXX XXXX XXXX  XXXX Open Date : XX/XX/XXXX, High Balance : {$980.00}, Late Payment This late payment is reported inaccurately. I have consistently paid my obligations on time, and this entry does not reflect my actual payment history. Its presence has caused unnecessary damage to my credit score, resulting in higher interest rates and denials for financial opportunities I qualified for. I have contacted XXXX XXXX to verify this, but the error remains uncorrected. Reporting false information violates FCRA Sections 607 ( b ) and 611, which require accurate reporting and proper investigation of disputed items. 
XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$660.00}, Collection I have never had any obligation to XXXXXXXX XXXX for this account. Its inclusion as a collection account is completely false and has caused denials for credit cards and personal loans, increased insurance premiums, and unnecessary collection communications. This inaccurate reporting violates FCRA Sections 611 and 623 ( b ), which require verification of accounts and removal of unverified or false information. 
XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$520.00}, Collection This collection account is reported in error. I have no connection to this account, yet it appears on my credit report as delinquent. As a result, lenders view me as high-risk, affecting my ability to secure necessary financing. Multiple attempts to resolve this directly with XXXX have failed, demonstrating a lack of reasonable investigation as required under FCRA Section 611. 
These inaccuracies have caused measurable financial harm, stress, and repeated obstacles to accessing credit. Reporting false, unverified, or unauthorized information violates my rights under the FCRA and continues to impact my credit profile. I request that the CFPB direct all credit reporting agencies to immediately investigate, remove, or correct all disputed items and provide written confirmation of these corrections.

I reserve the right to pursue statutory damages and legal remedies under FCRA Sections 616 and 617 if these violations continue. Immediate attention is required to prevent further financial and personal harm.

Thank you for your urgent attention and resolution of these matters.

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