Consumer complaint received 2025-08-02 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against multiple credit reporting agencies and furnishers for the reporting of inaccurate, unverifiable, and misleading information on my credit report. Despite repeated attempts to dispute these errors, they remain unresolved, and continue to harm my credit profile, violate my rights under the Fair Credit Reporting Act ( FCRA ), and cause me financial and emotional hardship.

Below is a detailed list of the inaccurate or unlawful items reported : XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address does not belong to me and has never been my residence. Its presence on my credit report is inaccurate and misleading. 
Law : Under FCRA 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy of consumer information. Incorrect address data can cause misidentification and unjust denial of credit.

Story : I have never lived at or used this address. Its inclusion suggests negligent data management by furnishers or CRAs, which violates my rights and causes confusion during credit inquiries. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$22000.00} ) Late Payment * * Issue : The reported late payments on this account are inaccurate and unsubstantiated. I have consistently made timely payments or have negotiated payment arrangements. 
Law : FCRA 1681i mandates investigation of disputed items and correction if unverifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) prohibits debt collectors from reporting inaccurate information.

Story : These late payments are either fabricated or inaccurately reported by the creditor or collector, and they unjustly harm my credit score. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$680.00} ) Collection * * Issue : This collection account is either inaccurate or has been resolved, yet it remains on my report without proper notation. 
Law : Under FCRA 1681i, any disputed collection must be fully verified and removed if unverified. FDCPA requires debt collectors to provide validation upon dispute.

Story : I have requested validation which was never provided. The continued reporting of this account violates my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} ) Collection * * Issue : This account is inaccurately reported as owed by me and should be removed or corrected.

Law : FCRA 1681s-2 ( b ) obligates furnishers to report accurate information and correct inaccuracies promptly.

Story : I have no knowledge or responsibility for this alleged debt and suspect identity theft or erroneous reporting. 
XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ) Collection * * Issue : This collection account is not mine or has been paid in full but remains reported as open.

Law : FCRA 1681i requires reinvestigation of disputed accounts ; FDCPA requires debt validation.

Story : Reporting open collection on a paid or inaccurate account severely damages my credit unfairly. 
XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ) Collection * * Issue : Inaccurate collection reporting or failure to note resolution or dispute.

Law : FCRA 1681i and FDCPA 809 ( b ), 807 ( 8 ).

Story : Lack of verification or incorrect reporting violates my consumer rights. 
XXXX XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ) Charge Off * * Issue : Charge-off reported without proper documentation or after dispute.

Law : FCRA 1681e ( b ), 1681i, and FDCPA protections.

Story : This negative item is either erroneous or outdated and must be corrected or removed. 
XXXX XXXX ( Inquiry ) XX/XX/XXXX Issue : Unauthorized or inaccurate hard inquiry damaging credit score.

Law : FCRA 1681b limits permissible purposes for credit inquiries. Inquiries without consumer authorization are unlawful.

Story : I do not recall authorizing this inquiry and demand proof of my consent or removal. 
XXXX XXXX ( Inquiry ) XX/XX/XXXX Issue : Same as above possibly unauthorized inquiry.

Law : FCRA 1681b and FTC guidelines on credit inquiry authorization.

Story : Unauthorized inquiries unfairly lower my credit score. 
XXXX XXXX ( Inquiry ) XX/XX/XXXX Issue : Potential unauthorized hard pull without permissible purpose.

Law : Same as above.

Story : Please provide evidence of authorization or remove this inquiry. 
XXXX XXXX XXXX XXXX  ( Inquiry ) XX/XX/XXXX Issue : Same as above.

Law : Same as above.

Story : Provide proof of authorization or delete. 
XXXX ( Inquiry ) XX/XX/XXXX Issue : Same inquiry dispute.

Law : Same as above.

Story : Unauthorized inquiries must be removed to restore fair credit evaluation.

REQUEST FOR CFPB INVESTIGATION & ACTION : I am requesting that the CFPB : 1. Investigate all inaccurate addresses, accounts, and inquiries listed above.

2. Ensure credit reporting agencies and furnishers comply with FCRA and FDCPA.

3. Order the deletion of unverifiable, inaccurate, or duplicated items from my credit reports.

4. Hold the responsible furnishers and bureaus accountable for violating my rights.

These errors have caused significant damage to my credit, mental stress, and limited my ability to live and function financially. I am attaching copies of my credit report and any relevant correspondence to support my claims.

Thank you for your urgent attention to this matter.

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