Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
Dear CFPB, I am filing this complaint because multiple accounts have been reported inaccurately on my credit reports, causing severe harm to my financial reputation. These accounts have either been reported without proper validation, in violation of federal laws, or contain errors that do not reflect my true financial history. I am requesting your office to intervene and ensure full compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This is another incorrect address reported under my credit file.Law : FCRA 602 ( A ) ( 1 ) emphasizes fair and accurate reporting as a vital element of financial stability.Story : Because of this misreporting, a landlord questioned my rental application, asking why my report showed multiple unrelated addresses. This made me lose confidence and trust with potential housing opportunities. It paints me as someone who moves frequently without stability, when in reality I have been consistent in my residence. This false reporting has harmed my chances of securing a safe home for my family. 
XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Chargeoff Issue : This account is being reported as a chargeoff without proper validation of debt or proof of accuracy.Law : FDCPA 809 ( b ) requires debt collectors and furnishers to validate debts, and FCRA 623 prohibits reporting inaccurate information.Story : XXXXXXXX XXXX  never provided me with a signed contract or proper billing statements proving this account belongs to me. Despite my disputes, the account still shows as a chargeoff. This unfairly lowers my score and gives lenders the impression that I default on obligations. It has caused me higher interest rates, loan denials, and constant stress every time I apply for credit. The lack of transparency and refusal to validate this debt is both unfair and unlawful. 
XXXX XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Reported as a chargeoff without accurate validation.Law : FCRA 1681s-2 ( b ) requires furnishers to investigate disputed information.Story : XXXX XXXXXXXX has continuously reported this debt as a chargeoff without showing proof it belongs to me. Because of this, I was denied a personal loan that I urgently needed during a financial hardship. The wrongful reporting has added unnecessary pressure and humiliation. I feel as though my rights are being ignored and my financial stability is being destroyed by false information that has no proof behind it. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Misreported as chargeoff without legal proof of debt.Law : FDCPA and FCRA both prohibit unverifiable reporting.Story : XXXX XXXX has never produced the original signed agreement or proof of debt. Yet, they continue to report this account as charged off. This account is dragging my score down and has caused me to be denied credit card approvals and auto financing. Every time I apply for something, I am reminded of this false chargeoff, which makes me feel punished for something I do not even owe. It has been mentally exhausting and financially destructive. 
XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Chargeoff Issue : This account is inaccurately listed as chargeoff with a balance of {$0.00}, which is contradictory and misleading.Law : FCRA 607 ( b ) requires maximum possible accuracy in reporting.Story : Reporting a {$0.00} balance account as a chargeoff makes absolutely no sense. It is a sign of gross negligence in reporting. This wrong reporting has confused lenders and has given the impression that I am unreliable even though there was never any balance due. This is an unfair blemish on my credit report that should not exist, and it has caused unnecessary damage to my financial life. 
XXXX XXXX XXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Reported chargeoff with no proper documentation or validation.Law : FDCPA 807 prohibits false representation of debts, and FCRA requires deletion of unverifiable accounts.Story : XXXX XXXX has marked this account as charged off without providing validation despite my multiple disputes. This has been one of the most harmful items on my credit report because it makes me appear as if I defaulted on a large loan. Because of this, I have been denied mortgages, personal loans, and even fair credit card limits. The emotional stress of constantly being judged for something I did not do is overwhelming. This is not only financially damaging but also degrading to my personal reputation. 
XXXX  XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reported with late payments that are not accurate and not properly validated.Law : Under FCRA 607 ( b ) consumer reporting agencies must ensure maximum possible accuracy, and under FCRA 623 furnishers must not report information they know or should know is inaccurate.Story : I was never provided with proper billing statements proving these late payments occurred. Because of this false reporting, I was denied a refinance opportunity which could have lowered my financial burden. Instead, I continue to suffer higher monthly payments due to this error. This false report has created an image that I am financially irresponsible, when the reality is the creditor failed to maintain accurate reporting. 
XXXX  XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account is inaccurately showing late payments.Law : FCRA 611 requires disputed information to be investigated and corrected or deleted if it can not be verified.Story : Because of these late payments being reported, I faced rejection during a rental application. The landlord believed I could not be trusted to pay rent on time. This was extremely humiliating and caused hardship for me and my family. The creditor never validated these lates, yet the damage to my reputation continues to grow. 
XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reported as having late payments without proper validation.Law : FCRA 1681i mandates reinvestigation of disputed items, and inaccurate late payment records must be deleted.Story : This inaccurate late payment reporting has forced me into higher interest rates for basic credit cards. I was charged excessive interest simply because my credit score was being dragged down unfairly. This has caused financial hardship, additional debt, and emotional stress as I struggle to manage costs that would not exist if my report were accurate. 
XXXX XXXX XXXX : {$770.00} Date Opened : XX/XX/XXXX Collection Issue : This is a duplicate and inaccurate collection account.Law : FCRA 609 and 611 protect consumers from duplicate or inaccurate reporting, and FDCPA prohibits unfair collection practices.Story : This appears to be the same account as XXXX but is listed separately, creating double damage. Duplicate reporting is a serious violation of my rights and makes it look like I owe more than I actually do. This has resulted in higher denials and suspicion from lenders who see two collections instead of one. This practice is unfair, misleading, and unlawful, and has left me feeling hopeless about repairing my credit. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$4700.00} Date Opened : XX/XX/XXXX Collection Issue : Reported as a collection account without proper debt validation.Law : FDCPA 809 ( b ) requires debt validation upon request ; FCRA 623 prohibits furnishers from reporting inaccurate or unverifiable information.Story : XXXX XXXX has never provided me with proof of this debt such as an original signed agreement or complete billing statements. Yet, they continue to report it as a collection account. This has dragged down my credit score for years and led to repeated denials for credit, auto financing, and housing. This false reporting is abusive and has created ongoing financial and emotional hardship for me. 
XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Issue : Unauthorized duplicate inquiry.Law : FCRA requires inquiries to be made only with consumer consent and for permissible purpose.Story : This duplicate inquiry is damaging and makes me look financially desperate. It is extremely unfair that my credit reputation is harmed by inquiries I did not approve. 
XXXX XXXX XXXX  XX/XX/XXXX Inquiry Issue : Unauthorized and harmful inquiry.Law : FCRA 604 requires consumer consent.Story : This inquiry has no connection to me. It creates false impressions to lenders that I am overextending myself financially, which is not true. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry.Law : Same as above.Story : This inquiry was made without my approval. It is hurting my credit standing unfairly. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized credit pull.Law : FCRA 604.Story : I did not apply with Santander on this date. Yet their inquiry damaged my score and misrepresents my financial activity. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry.Law : FCRA violation.Story : This was not approved by me. It is lowering my score and misguiding future lenders. 
GXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry.Law : FCRA 604.Story : I did not authorize Global Lending to review my credit, yet it is damaging my score. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.Law : Same as above.Story : I never applied with XXXX XXXX. This inquiry wrongly suggests I am desperate for loans. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.Law : Same as above.Story : This inquiry is not mine. It is misleading and damaging. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized.Law : Same as above.Story : This inquiry was never approved by me. It continues the pattern of excessive, damaging inquiries. 
XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized.Law : FCRA 604.Story : I did not request this credit check. It harms my report and shows me applying for credit I never sought. 
Conclusion : Each of these accounts has been reported in violation of federal law. I am requesting the CFPB to investigate these matters, demand validation from the furnishers, and ensure that any unverifiable or inaccurate accounts are permanently deleted from my credit reports. Consumers like me deserve protection from abusive and unlawful credit reporting practices. 
I trust your office will act promptly to hold these furnishers accountable and to restore accuracy to my credit history.

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