Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Law/Issue : FCRA 609 ( a ) ( 1 ), 611 ( a ), inaccurate personal information harms my identity integrity Story : This is not my residence and never has been associated with me. Having this address tied to my file creates confusion and risk of mixed credit reporting. I demand this address be deleted immediately. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Law/Issue : FCRA 609 ( a ) ( 1 ), 611 ( a ), inaccurate personal data must not be reported Story : This address does not belong to me, nor have I ever lived here. Keeping this on my file is misleading and creates the appearance of identity discrepancies. Remove this address at once. 

ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} Late Payment * * Law/Issue : FCRA 607 ( B ), 611 ( a ), FDCPA 807 ( 8 ) accuracy requirement violated Story : This account is showing late payments that are not accurate. I have not received any notice or documentation validating these lates. I demand a full reinvestigation and removal of unverifiable negative reporting. 

ACCOUNT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Law/Issue : FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ) furnisher can not report inaccurate information Story : This account is showing as a chargeoff despite being at a {$0.00} balance. Reporting a {$0.00} balance account as charged off is inconsistent and misleading. I request deletion if proper validation can not be produced. 

ACCOUNT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Law/Issue : FCRA 607 ( B ), 611 ( a ), inaccurate and misleading reporting Story : The balance is {$0.00} but the account is still showing as a chargeoff, which is contradictory. This is harming my file by misrepresenting my payment history. Delete this item if it can not be corrected with full validation. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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