Consumer complaint received 2025-09-08 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:
I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. regarding multiple inaccurate entries on my credit report. These include late payments, charge-offs, collections, wrong addresses, and unauthorized inquiries. The repeated false reporting is causing severe financial, personal, and emotional hardship, including denial of credit, harassment from creditors, disruption of daily life, and XXXX XXXX. I demand immediate investigation, correction, and removal of all inaccurate items. Continued reporting of these inaccuracies may constitute violations under 15 U.S.C. 1681e ( b ), 1681i, and 1681n. 
Wrong Addresses XXXX XXXX XXXX, XXXX, TX XXXX This address has never been mine. Its false inclusion has resulted in misdirected bills, collection notices for debts I do not owe, and repeated questioning of my identity by creditors. I have had to spend countless hours correcting misinformation, facing emotional XXXX, and losing trust in financial institutions. The XXXX  of being linked to an address I never lived at has disrupted my financial stability and daily life XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This incorrect address reporting has caused delays in receiving essential financial documents. Banks and creditors have questioned my identity due to this error, leading to postponed transactions and unnecessary XXXX. The ongoing confusion threatens my financial reputation and complicates my everyday life Account Disputes XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXX Late Payment This reported late payment is completely inaccurate. I have maintained timely payments. Because of this error, I have faced increased interest rates, wrongful collection inquiries, and disruptions to my financial planning. The emotional toll of being wrongly accused of financial irresponsibility has caused XXXX  and sleepless nights XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$490.00} Date Opened : XX/XX/XXXX Late Payment This late payment is false and harmful. I have had to spend hours disputing this with multiple institutions, delaying essential financial transactions and creating XXXX. The inaccurate report has hindered my ability to secure credit, housing, and other XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Charge Off Both accounts have been incorrectly reported as charge-offs. These false entries have led to repeated collection calls, wrongful financial scrutiny, and significant damage to my creditworthiness. I have experienced financial setbacks, emotional XXXX, and reputational harm. Being labeled delinquent on accounts I have responsibly managed is unjust and violates FCRA protections XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$580.00} Date Opened : XX/XX/XXXX Charge Off This account has been inaccurately reported as a charge-off. The false information has reduced my credit score, delayed essential transactions, caused loan denials, and created significant mental XXXX. I have had to repeatedly prove my financial responsibility to institutions, wasting time, energy, and resources. The cumulative effect of these false reports is causing severe disruption to my financial and personal life DPT ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXX Late Payment This late payment is entirely false. I have always made my payments on time. The erroneous reporting has caused repeated inquiries from lenders, unjustified denials of credit, and unnecessary XXXX. I have spent countless hours proving my financial responsibility, resulting in lost time, productivity, and sleep. The emotional toll of being falsely accused of delinquency is immense, affecting both my mental well-being and daily life DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$4300.00} Date Opened : XX/XX/XXXX Late Payment This reported late payment is inaccurate. Its presence has led to repeated creditor harassment, higher interest rates, and obstacles in securing housing and personal loans. I have faced embarrassment, constant XXXX, and undue XXXX  trying to resolve a problem I did not create. This false entry is causing significant disruption to my financial stability and personal life XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$220.00} Date Opened : XX/XX/XXXX Charge Off This account has been wrongly charged off. The incorrect reporting has damaged my credit profile, caused loan denials, and led to relentless collection attempts. I have experienced extreme XXXX  and fear due to potential legal consequences and reputational harm. The emotional, social, and financial consequences are severe and unjust DPT EDXXXX XXXXXXXX XXXX XXXX  High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment This late payment is false. It has caused severe financial setbacks, unnecessary XXXX, and constant questioning of my reliability. I have spent hours documenting proof of payment, delaying critical personal and professional tasks. The emotional and mental strain of being falsely reported is significant DPT EDXXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is entirely inaccurate. This has resulted in repeated collection notices, elevated interest rates, denial of new credit, and substantial emotional XXXX. I have faced sleepless nights, XXXX, and disruption of daily life due to this false reporting XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account has been wrongly charged off. I have never defaulted. The false report has caused creditor harassment, financial delays, and emotional turmoil. I have been forced to repeatedly explain, document, and defend my financial standing, which has taken a significant toll on my mental health and ability to focus on essential life tasks DPT EDXXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment This late payment is inaccurately reported. It has created repeated obstacles in obtaining loans, caused unjustified increases in interest rates, and led to significant XXXX. I have had to spend hours rectifying this error, which has negatively impacted my professional and personal life DPT ED/XXXX XXXX XXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment This reported late payment is false. It has caused repeated collection calls, increased scrutiny from lenders, and undue emotional XXXX. The false report undermines my credibility, reduces my access to financial services, and disrupts my ability to plan for basic living expenses DPT EDXXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Late Payment This late payment is completely inaccurate. It has negatively impacted my creditworthiness for over a decade, delayed critical financial approvals, and caused extreme XXXX. Being falsely reported as delinquent for years is unjust, damaging, and a violation of my rights under FCRA DPT EDXXXX XXXXXXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is false. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain accurate information. The erroneous reporting has caused repeated lender inquiries, unjustified denial of credit, and undue XXXX. I demand immediate correction, as failure to maintain accurate records violates my rights DPT EDXXXX XXXXXXXX XXXX  High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is inaccurately reported. Under 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and the bureau must conduct a reasonable investigation. This false entry has caused collection inquiries, higher interest rates, and emotional XXXX  DPT EDXXXX XXXXXXXX XXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment is false. Reporting it violates 15 U.S.C. 1681i ( a ), as the agency failed to verify accuracy. The false report has prevented loan approvals, delayed financial transactions, and caused harassment DPT EDXXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment * * This entry is inaccurately reported, violating 15 U.S.C. 1681i ( a ) and 1681e ( b ). I have been forced to repeatedly provide proof of payment history, wasting time and creating mental XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off * * This account is wrongly charged off. Under 15 U.S.C. 1681n, knowingly reporting false information may make the creditor and bureau liable. The false entry has damaged my credit, caused repeated collection calls, and disrupted my daily life XXXX XXXX XXXX XXXX  High Balance : {$23000.00} Date Opened : XX/XX/XXXX Charge Off * * This account is inaccurately reported as a charge-off, violating 15 U.S.C. 1681e ( b ). The false reporting has blocked essential credit access, delayed financial approvals, and caused continuous emotional and financial XXXX  DPT ED/XXXX XXXXXXXX XXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is false. Under 15 U.S.C. 1681i, I am entitled to dispute and have unverifiable information removed. The false report has caused XXXX, collection inquiries, and financial obstacles DPT EDXXXX XXXX * High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment * * This entry violates 15 U.S.C. 1681e ( b ). It has caused repeated collection notices, denial of loans, and emotional XXXX. I demand immediate removal and proper verification of this account DPT EDXXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is completely false. Its inaccurate reporting has caused repeated lender inquiries, denial of loans, and undue XXXX. I have spent countless hours documenting proof of payment and disputing the error, disrupting my professional responsibilities, delaying essential financial transactions, and affecting my mental well-being. Being falsely reported as delinquent has caused embarrassment and XXXX  in daily interactions, affecting both my personal and professional life DPT ED/XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment * * This entry is falsely reported. Its presence has led to collection calls, harassment, higher interest rates, and emotional XXXX. I have been forced to repeatedly contact creditors and bureaus, which consumes significant time and mental energy, causing sleep disruption and daily XXXX. Under 15 U.S.C. 1681i, I have the right to have unverifiable information removed DPT EDXXXX XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXX Late Payment * * This reported late payment is inaccurate. Its listing has caused unnecessary financial obstacles, denial of loans, and continuous XXXX. I have experienced XXXX  that affects my ability to focus on work and personal obligations. The false entry has a cumulative impact on my credit profile and daily financial planning DPT EDXXXX XXXXXXXX XXXX XXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is false. I have faced repeated creditor harassment, financial delays, and personal XXXX  due to this misreporting. The disruption has been significant, including wasted time preparing documentation and explaining my financial responsibility, leading to emotional XXXX  and sleep disturbances DPT EDXXXX XXXXXXXX XXXX  High Balance : {$2900.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is inaccurately reported. It has caused repeated collection inquiries, denial of loans, increased XXXX, and mental exhaustion. I have been forced to repeatedly prove my financial responsibility, which impacts my professional work, daily life, and personal well-being XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$490.00} Date Opened : XX/XX/XXXX Collection * * This collection entry is false. Its reporting has caused repeated creditor harassment, denial of loans, and significant emotional and financial XXXX. I have experienced XXXX, constant XXXX, and fear of further negative impact on my financial reputation. Under 15 U.S.C. 1681e ( b ), the bureau is obligated to ensure accuracy XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection * * This collection entry is inaccurate. It has caused repeated phone calls, denial of loans, financial XXXX, and emotional XXXX. The false report affects my ability to plan financially and causes continuous XXXX, violating 15 U.S.C. 1681i and XXXX XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Collection * * This account is wrongly listed. The false collection has caused repeated harassment, XXXX, financial delays, and sleep disruption. Under FCRA 1681e ( b ), the bureau is obligated to maintain accurate information XXXX XXXXXXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Collection * * This collection is falsely reported. Its presence has caused repeated collection calls, loan denials, and financial XXXX. The constant XXXX  and wasted time trying to prove the accounts inaccuracy has disrupted my daily life and affected my emotional well-being. Under 15 U.S.C. 1681e ( b ), the bureau must ensure accuracy XXXX XXXX XXXX XXXX High Balance : {$610.00} Date Opened : XX/XX/XXXX Collection * * This collection is inaccurately listed. Its reporting has caused creditor harassment, denial of credit, and emotional XXXX. I have been forced to spend hours documenting proof and disputing the error, leading to XXXX  and sleep disruption. Reporting unverifiable information violates 15 U.S.C. 1681i XXXX XXXX  XXXXXXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Collection * * This account is falsely reported as a collection. It has caused repeated phone calls, loan denials, and financial XXXX. The disruption affects my daily life and work performance, creating continuous emotional strain. Under 15 U.S.C. 1681e ( b ), the bureau has a legal duty to maintain accurate information XXXX XXXX XXXXXXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Collection * * This collection is inaccurately reported. Its presence has caused unnecessary creditor inquiries, denial of loans, and emotional hardship. I have had to repeatedly verify my financial records, which disrupts my personal and professional life, violating 15 U.S.C. 1681i XXXX XXXX XXXXXXXXXXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Collection * * This collection account is falsely listed. The error has caused repeated XXXX, loan denials, and creditor harassment. I have experienced XXXX, sleep disruption, and significant time wasted disputing the false report, which violates FCRA 1681e ( b ) and 1681n XXXX XXXXXXXX High Balance : {$740.00} Date Opened : XX/XX/XXXX Collection * * This collection is falsely listed. Its reporting has caused repeated harassment, denial of loans, and financial XXXX. I have experienced XXXX, loss of focus, and disruption in my daily responsibilities due to this inaccurate entry XXXX XXXXXXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Collection * * This collection is falsely reported. Its inaccurate listing has caused repeated creditor harassment, loan denials, and undue financial XXXX. I have spent excessive time documenting my records, which disrupts my work and personal life. Reporting unverifiable information violates 15 U.S.C. 1681i XXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/XXXX Collection * * This account is inaccurately reported. Its false presence has led to repeated collection calls, denial of credit, and emotional XXXX. The inaccurate reporting disrupts my daily life, causes XXXX, and violates FCRA 1681e ( b ) XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry is unauthorized. Its presence on my report has caused financial XXXX, disrupted my daily financial planning, and is a violation of FCRA 1681b ( c ) XXXX XXXX XX/XX/XXXX Inquiry This unauthorized inquiry is inaccurately reported. It contributes to unnecessary XXXX, credit complications, and emotional hardship, violating FCRA 1681b ( c ) Request for Immediate Action I demand that CFPB ensure the credit reporting agencies perform a thorough investigation, contact all relevant creditors, and remove any unverifiable, false, or damaging information immediately. Continued reporting of these inaccuracies is causing severe financial, emotional, and personal harm, constitutes a violation of FCRA, and may expose the bureaus and creditors to legal liability.

Thank you for your urgent attention to these critical legal 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