Consumer complaint received 2025-10-22 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: MO

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for their continued erroneous reporting on my consumer file, despite multiple previous disputes and complaints. This ongoing issue has significantly impacted my ability to obtain a home loan, finance a car, and secure gainful employment. 

They have failed to adequately address the inaccuracies in my file. The erroneous information includes incorrect, outdated Identification Records, Address Characteristic Record, Criminal Offense Records , Insurance Policy Records, Auto and Credit Card, Phone Record Loans, Auto Title, Check Cashing, Automobile Insurance Claim Records, Department of Driver Services Records, Telematics Inquiry Records, Driving Record and inquiries that do not belong to me.

This persistent misreporting has caused significant hardship in my life : 1. Home Loan Application : In XXXX, XXXX, I was denied a mortgage due to the inaccurate information on my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX report. The lender cited multiple addresses and insurance policies that do not belong to me as reasons for concern. 2. Car Financing : In XXXX, XXXX and XXXX I attempted to finance a car but was offered unfavorable terms due to the erroneous inquiries and incorrect information and insurance claims on my XXXX report. These records do not reflect my true credit history or risk profile. 

I have repeatedly requested that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX correct these errors and place a security freeze on my file. While they claim to have placed a freeze on XX/XX/XXXX unauthorized inquiries continue to appear on my report, indicating that the freeze is not being properly enforced. 

I believe XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by failing to maintain reasonable procedures to assure maximum possible accuracy of the information in my file ( 15 U.S.C. 1681e ( b ) ) and by failing to conduct proper reinvestigations of my disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Notice ALL accounts in my files reported as a collection/charge off and is affecting my score negatively. The reporting of accounts is incorrect as I still see a balance after it was charged off. I urge your agency to provide all the missing information. Also, please explain why there is a past-due balance reporting while the report shows as a charge-off? Im pretty sure you know that it is a violation. I demand the immediate deletion of ALL accounts reporting a collection/chargeoff with balance to ensure that your agency is reporting full and only complete information on my account.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that XXXX complies with the FCRA and corrects the inaccuracies in my file. Additionally, I ask that you help me obtain compensation for the damages I have suffered as a result of their negligence. Furthermore, I request that an updated and accurate copy of my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  consumer report be mailed to me at the address below. This will allow me to verify that all inaccuracies have been removed and that my file truly reflects my correct information. 

Thank you for your attention to this matter. 

I look forward to your response and assistance in resolving this ongoing issue. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  consumer report be mailed to me at the address below. This will allow me to verify that all inaccuracies and outdated information have been removed and that my file truly reflects my correct information. 
Thank you for your attention to this matter. I look forward to your response and assistance in resolving this ongoing issue.

Company response to consumer: Closed with explanation