Consumer complaint received 2025-05-31 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:
To Whom It May Concern : I am writing to file a formal complaint regarding multiple inaccurate, fraudulent, and damaging entries on my credit report, which have significantly harmed my financial life. These entries appear to be the result of identity theft, data entry errors, or negligent furnishing and reporting practices. Despite my repeated efforts to dispute these accounts with both the furnishers and credit bureaus, the inaccuracies remain. 
Summary of Disputed Accounts : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$24.00}, Status : Charge Off Disputed as unauthorized ; never opened. 
Violation : FCRA XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), XXXX XXXX. XXXX Opened : XX/XX/XXXX, High Balance : {$600.00}, Status : Late Payment Late payments are inaccurately reported. 
Violation : FCRA XXXX ( b ) XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$100.00}, Status : Charge Off Account not authorized or recognized. 
Violation : FCRA XXXX XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$2100.00}, Status : Charge Off Account disputed for inaccurate charge-off. 
Violation : FCRA XXXX ( a ) XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$720.00}, Status : Late Payment Payments made on time ; status is false. 
Violation : FCRA XXXX ( b ) XXXX. XXXX XXXX  Opened : XX/XX/XXXX, High Balance : {$710.00}, Status : Late Payment I did not open this account. 
Violation : FCRA XXXX XXXX. XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$120.00}, Status : Late Payment Incorrect payment history reported. 
Violation : FCRA XXXX ( b ) XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$380.00}, Status : Late Payment Never late ; data is incorrect. 
Violation : FCRA XXXX ( b ) XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$300.00}, Status : Charge Off Inaccurate charge-off status. 
Violation : FCRA XXXX ( a ) XXXX. XXXX Opened : XX/XX/XXXX, High Balance : {$260.00}, Status : Charge Off Not my account ; identity theft suspected. 
Violation : FCRA XXXX XXXX. XXXX XXXX Opened : XX/XX/XXXX, High Balance : {$1900.00}, Status : Collection Debt unfamiliar ; fraudulent. 
Violation : FCRA XXXX XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1600.00}, Status : Collection Debt is not mine. 
Violation : FCRA XXXX XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$610.00}, Status : Collection Unrecognized account ; likely fraud. 
Violation : FCRA XXXX Incorrect Personal Information : The following addresses listed on my credit report are incorrect and not associated with me at any time : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX My Story and the Harm Caused : I discovered these fraudulent and inaccurate accounts when I was denied a mortgage and XXXX credit cards in XXXX. I immediately requested my credit report and was devastated to find accounts I never authorized and derogatory marks that do not belong to me. 
I have submitted disputes with the credit bureaus and contacted the furnishers. I also filed an identity theft report with the FTC and added a fraud alert to my credit file. However, the erroneous data remains. 
This situation has caused severe emotional and financial distress. Ive lost access to fair credit opportunities, endured high interest rates, and invested significant time and energy attempting to fix a problem I did not create. 
Requested Action by the CFPB : I respectfully request the CFPB to : XXXX. Investigate all accounts listed above for compliance with the FCRA. 
XXXX. Compel credit bureaus and furnishers to delete or correct false data. 
XXXX. Enforce civil penalties against any entities found to be willfully negligent or noncompliant. 
XXXX. Ensure my credit report is restored to accurate standing.

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