Consumer complaint received 2025-08-28 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:
Dear CFPB Representative, I am submitting this formal complaint regarding multiple inaccurate collection accounts and unauthorized credit inquiries being reported on my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
These inaccuracies are not only unlawful, but they have also caused me significant financial and personal harm, including loan denials, housing rejections, job opportunities lost, increased financial costs, and severe emotional stress. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address this address does not belong to me I have never lived there or used this residence for any financial purpose yet it is being reported on my credit file this is a direct violation of FCRA 604 and 609 because the credit bureaus are required to maintain maximum possible accuracy and must not mix my personal information with another consumers record this false address damages my reputation and creates confusion and risk of identity theft I demand immediate deletion XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address this address has no association with me and its inclusion violates FCRA 607 ( b ) which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy reporting a wrong address misrepresents my identity to potential lenders employers and insurers this false reporting has caused stress and humiliation and makes it look as if I have resided in places I never did I request this be deleted at once XXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXXXXXX   Chargeoff this account is being reported as a chargeoff which is inaccurate and misleading I dispute the completeness and accuracy of this item under FCRA 609 and 611 creditors and bureaus are required to maintain records with full documentation yet this entry lacks validation and proof of debt the reporting of a chargeoff without proper verification is unfair and deceptive and under FDCPA 807 no collector or furnisher may falsely represent the legal status of a debt this false chargeoff lowers my credit score and prevents me from accessing housing and credit opportunities I demand full validation and immediate deletion if it can not be properly substantiated XXXX  XXXX XXXX High Balance : {$3700.00} Date Opened : XX/XX/XXXX Late Payment this account is reporting late payments which I dispute under FCRA 607 ( b ) because creditors must report with maximum accuracy the reporting of late payments without furnishing proper proof is damaging my creditworthiness I have requested verification but none has been provided the continued reporting without validation is a violation of my rights under FDCPA 809 which requires debt validation upon dispute these false late marks are blocking me from fair access to credit I request removal XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Chargeoff this chargeoff is being reported without proper validation under FCRA 611 the bureaus are required to conduct a full reinvestigation once disputed and furnishers must provide documentation of the debt which has not been provided continuing to report unverifiable information is a violation of FDCPA 807 as it misrepresents the status of the account this false chargeoff is harming my financial reputation and opportunities I demand its immediate removal XXXX XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXX Chargeoff This account is reported as a chargeoff but no validation, no original agreement, and no billing statements have been produced. Because of this entry, I was denied a basic checking account with overdraft protection at my bank, leaving me vulnerable to fees and embarrassment at the grocery store when my card declined. This has created unnecessary humiliation in front of others. Under FCRA 1681i you must reinvestigate, and under FDCPA 809 ( b ) you must validate, which has not been done. 
XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Chargeoff This chargeoff is hurting me daily. I have requested proof multiple times and none has been provided. Because of this inaccurate reporting, my auto insurance company raised my rates, saying I was high risk. This forced me to pay hundreds of dollars more every year, taking away money I could have used for my childrens needs. The FCRA requires maximum possible accuracy under 1681e ( b ), which is not being followed.

XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Late Payment These late payments are more than 7 years old and must be removed under FCRA 1681c ( a ) ( 4 ) - ( 5 ). Yet they are still on my report, unfairly portraying me as irresponsible. I was denied a personal loan for emergency medical expenses because of this old derogatory information. That denial put me in a situation where I had to delay medical treatment, risking my health. 
XXXX XXXXXXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This account is reported with late payments that have not been validated. Because of this entry, I was forced to pay a double deposit for utility services when moving into a rental home. That extra cost left me short on rent money and put me at risk of eviction. This financial and emotional stress is overwhelming, and it comes from inaccurate reporting. 
XXXX XXXX High Balance : {$5400.00} Date Opened : XX/XX/XXXXXXXX  Chargeoff This chargeoff is reported without proper validation and with an inflated balance that has never been itemized. Because of this entry, I was denied a credit card for debt consolidation, leaving me trapped paying extremely high interest on multiple accounts. This has drained my savings and left me in a cycle of financial struggle. My reputation has been damaged, as lenders view me as irresponsible when in reality this is inaccurate reporting. 
XXXXXXXX XXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX  Chargeoff This account is being reported as a chargeoff, but I never received full documentation, validation, or explanation. This large negative entry has destroyed my ability to qualify for a mortgage, forcing my family to remain in unstable rental housing. I have been denied opportunities to move into a safer neighborhood for my children because of this inaccurate reporting. The emotional toll of being unable to provide better living conditions is devastating. 
XXXX XXXX XXXXXXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXXXXXX  Chargeoff This account is reported as a chargeoff but no contract or agreement has ever been provided. This inaccurate reporting made me ineligible for financing essential household items and a computer for work-from-home jobs. This directly affected my ability to earn income and provide for my family. 
XXXX XXXXXXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment This alleged late payment is inaccurate and unverifiable. No billing statements or documentation have been provided to validate the delinquency. Because of this, I was denied a small business credit card, essential to pay suppliers and cover operational costs. This delay caused me to miss critical deadlines, lost income, and forced my family into financial stress. The emotional toll of trying to make ends meet while being misrepresented as delinquent has been overwhelming. 
XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Late Payment This account is reported inaccurately and without verification. Because of this, I was denied a personal loan intended to consolidate medical debt, forcing me to rely on high-interest alternatives. This increased financial hardship and emotional stress, directly affecting my ability to cover essential healthcare. Nights were spent worrying how to manage payments and keep my family safe. 
XXXX XXXX XXXXXXXX High Balance : {$270.00} Date Opened : XX/XX/XXXXXXXX   Late Payment This late payment is unverifiable. Its reporting blocked me from store financing for household appliances. My family had to live without essential furniture and appliances, causing daily discomfort and stress. Children struggled with inadequate living conditions, and the burden of constant problem-solving fell solely on me, adding significant mental strain. 
XXXX XXXX XXXXXXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Late Payment This account is unverifiable. Because of this, I was denied access to school supply financing, creating avoidable embarrassment and stress for my children. Misreporting of even small accounts can have disproportionately large real-life consequences, affecting a familys daily functioning and emotional well-being. 
XXXX  XXXX XXXX XXXXXXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This entry is beyond the legal reporting period under FCRA 1681c. Its continued presence caused denial of affordable auto financing, forcing me into high-interest loans, draining savings, and increasing financial pressure on my household. This inaccurate reporting prevents financial recovery and stability. 
XXXX XXXX High Balance : {$55000.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurate and unverifiable. Its reporting caused denial of mortgage pre-approval, preventing my family from moving to a safer neighborhood with better schools. The fear and stress of living in unsafe conditions, combined with inability to provide educational opportunities, have caused severe emotional and mental hardship. 
XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection This collection is unverifiable. Its reporting caused denial of a personal loan needed for essential family expenses, forcing me to borrow at higher interest rates. The resulting financial strain caused sleepless nights, constant worry, and a growing sense of hopelessness. My children saw my stress, creating fear and emotional XXXX  in our household. 
XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection This account is inaccurate and unverifiable under FDCPA 809 ( b ). Its reporting caused denial of apartment rental, leaving my family in temporary, unsafe, and unstable housing. I had to move frequently, disrupting my childrens schooling and social stability, creating ongoing trauma and stress. 
XXXX XXXX XXXX XXXX High Balance : {$8100.00} Date Opened : XX/XX/XXXXXXXX  Collection This collection is inaccurate and unverifiable. Its reporting caused denial of home improvement financing, leaving critical repairs undone. My children were exposed to unsafe living conditions, including structural hazards and environmental risks, causing ongoing fear and worry. 
XXXX XXXX XXXX XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX Collection This account has never been validated yet continues to harm my creditworthiness. Denial of essential household financing forced reliance on high-interest loans, creating additional stress and limiting access to food, utilities, and basic necessities. 
XXXX XXXX XXXXXXXX High Balance : {$990.00} Date Opened : XX/XX/XXXX Late Payment This late payment is beyond the legally permissible reporting period under FCRA 1681c. Its continued presence has caused denial of affordable credit, forcing reliance on high-interest alternatives. The resulting financial and emotional burden has directly impacted my ability to provide safety, stability, and educational opportunities for my children. 
XXXX XXXX XXXX High Balance : {$170.00} Date Opened : XX/XX/XXXXXXXX  Collection This collection is unverifiable and has prevented me from accessing credit needed for basic household necessities. The ongoing stress has led to constant XXXX, disrupted sleep, and emotional strain that affects my ability to work, manage the household, and support my children. 
XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Collection This collection account is inaccurate and unvalidated. Because of this entry, I was denied a personal loan that I needed to consolidate my debts and reduce high interest payments. That denial forced me into greater financial strain, making it harder to care for my family. This violates FDCPA 809 ( b ) which requires full validation. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$6800.00} Date Opened : XX/XX/XXXXXXXX  Collection This account has never been properly validated. Because of this negative mark, I was denied the opportunity to refinance my car, which left me stuck with high monthly payments. This has cost me thousands of dollars and created daily financial stress. The lack of reinvestigation violates FCRA 1681i. 
UNAUTHORIZED / DAMAGING INQUIRIES XXXX XX/XX/XXXX Inquiry I never gave permission for this inquiry. Its presence has led to higher interest rates on the credit I was able to get. This is unfair, unlawful, and harmful. 
EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry is unauthorized and misleading. It portrays me as overextending credit when in reality, I never applied. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized and unlawful. Because of multiple inquiries like this, I was rejected for a job that required a credit check. This is not just financial harm this is harm to my livelihood. 
LEGAL BASIS & CONSUMER HARDSHIP These errors collectively violate : FCRA 1681e ( b ) : Maximum accuracy requirement FCRA 1681i : Duty to reinvestigate upon dispute FCRA 1681c : Limits on reporting outdated information FCRA 1681b ( f ) : Prohibition on unauthorized inquiries FDCPA 809 ( b ) : Requirement of debt validation before collection reporting Because of these inaccurate accounts and unauthorized inquiries, I have faced : Denial of housing, leaving my family in unstable living situations Denial of loans and refinancing, forcing me into high interest payments and greater debt Higher insurance premiums and utility deposits because of damaged credit Loss of job opportunities tied to credit checks Emotional distress, XXXX, and sleepless nights worrying about finances and family stability This is not just a matter of inaccurate reporting it is a violation of my rights, my dignity, and my ability to provide for my family.

Requested Action I am requesting that the CFPB : 1. Launch a formal investigation into these credit reporting agencies and debt collectors.

2. Require deletion of all inaccurate/unverified collection accounts.

3. Require removal of all unauthorized inquiries.

4. Impose appropriate penalties for violations of federal consumer protection laws. 
Closing I trust that the CFPB will take my complaint seriously and enforce the consumer protection laws designed to prevent this very type of abuse. I have suffered greatly because of these errors, and I am requesting immediate action to restore my rights and repair the damage caused.

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