Consumer complaint received 2025-07-23 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 formal complaint regarding multiple inaccuracies on my credit report that are severely impacting my financial standing and overall creditworthiness. These include wrong addresses, unauthorized inquiries, duplicate or incorrect charge-offs, collections, and late payments that violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Despite my efforts to resolve these matters, the reporting entities have failed to correct the errors or provide verification. I respectfully request a full investigation and immediate intervention. 
XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is not associated with me and has never been my place of residence Law : Under FCRA 1681e ( b ), the credit reporting agency must ensure maximum possible accuracy of information reported Story : I have never lived at this address nor have I ever conducted any financial or personal activity there. Reporting this address under my profile misrepresents my identity and has potentially contributed to fraudulent or inaccurate account linkages XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This mailing address is incorrect and not linked to my personal or financial activity Law : FCRA 1681c mandates that outdated or unverifiable addresses be removed Story : I have no relationship to this XXXX XXXXXXXX. Including it as part of my report creates confusion and opens me up to potential identity mix-ups. It may also be associated with fraudulent activity not initiated by me XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3700.00} Issue : Late payments reported during deferment or forbearance periods Law : FCRA 1681s-2 requires furnishers to report accurately and not report incorrect delinquencies Story : During the reported period, my loan was under a federally approved deferment. Late payments should not have been reported and this misreporting is causing serious damage to my credit profile and financial standing XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} Issue : Same as above Late payments reported inaccurately during deferment Law : FCRA 1681i mandates a re-investigation of disputed items Story : XXXX failed to properly update the payment status. I was not required to make payments at the time due to financial hardship, yet they reported late payments in contradiction of federal student loan protections XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Late payments reported in error Law : Violates FCRA 1681e ( b ) and 1681s-2 Story : These late payments occurred while my account was in good standing under an Income-Based Repayment Plan ( IBR ). There was no reason to mark any payment as late, which unfairly penalized me XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Issue : Inaccurate reporting of delinquencies Law : FCRA 1681i ( a ) ( 1 ) ( A ) obligates re-investigation upon dispute Story : The status was reported as delinquent despite the account being under forbearance due to COVID-19 relief. Reporting late during national forbearance is not only wrong but unethical XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4800.00} Issue : Late payments during forbearance periods Law : FCRA 1681c and CARES Act protections for federal student loans Story : Payments were suspended during this time, yet my credit report reflects negative entries, likely due to internal servicing errors by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Issue : Same as above late payments during a non-payment period Law : FCRA 1681s-2 Story : The negative reporting is unjust and misaligned with the protections granted under federal law. These entries need to be corrected or removed immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Issue : Charged off incorrectly without adequate warning or verification Law : FCRA 1681s-2 ( a ) prohibits reporting inaccurate information knowingly Story : I attempted to resolve this account through partial payments and hardship discussions. Instead, XXXX XXXX opted to charge off the account without resolution or proper notification XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Issue : Charge-off and duplicate reporting Law : FCRA 1681e ( b ) Story : This account appears more than once with conflicting details, which unfairly affects my score. The duplication of negative marks is especially damaging and must be addressed immediately XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1300.00} Issue : Charge-off without verification of dispute Law : FCRA 1681s-2 ( a ) ( 8 ) requires investigation upon notice of dispute Story : This account had billing issues and was in active dispute. Affirm closed and charged it off without resolution, which has negatively impacted my credit unfairly XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Issue : Collection reported without prior notice Law : FDCPA 809 and FCRA 1681b Story : I was never notified of this debt prior to it appearing on my credit report. This is a violation of my right to validate the debt before it was reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Issue : Charge-off and duplicate entry Law : FCRA 1681e ( b ) Story : Like the previous XXXXXXXX XXXX accounts, this appears as a duplicate or inflated report and does not accurately reflect the state of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charged off but balance reported as XXXX Law : FCRA 1681s-2 Story : The charge-off and XXXX balance are contradictory. If there is no balance, the charge-off should not appear. This needs immediate correction XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry made without consent Law : FCRA 604 Story : I have no existing or attempted relationship with XXXX This inquiry damages my report and was made without authorization XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA 604 Story : I did not consent to this inquiry nor do I have an open application with XXXX. They accessed my report improperly XXXX XXXX XXXX  XX/XX/XXXX Issue : Duplicate inquiry Law : FCRA 1681b Story : This appears to be another duplicate of the same inquiry. It is harming my credit standing and must be removed I respectfully request that the CFPB investigate each of these entries and compel the credit bureaus and data furnishers to comply with the FCRA by correcting or deleting the inaccurate information immediately. These repeated violations have severely affected my creditworthiness and caused undue financial stress. Please take immediae action on my behalf.

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