Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to report multiple inaccurate, duplicate, and unverified items being reported on my credit file by various furnishers and credit reporting agencies. These entries are causing significant harm to my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 604, 607 ( B ), and 611.

Despite previous disputes and requests for verification, these credit bureaus and data furnishers have failed to correct or validate the disputed items. Many of these accounts do not belong to me, contain incorrect payment histories, or have been duplicated. In addition, several hard inquiries were placed on my report without my authorization. 
Incorrect Addresses Reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This address does not belong to me and should be removed. 
Accounts Reporting Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : $ XXXX Issue : Late Payment I dispute the reported late payment. I have always paid on time, and this entry is inaccurately damaging my payment history. Please correct this reporting to show all on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : $ XXXX Issue : Late Payment This account has been incorrectly reported as late. I never missed or delayed payments, and I request correction of this inaccuracy. 
XXXX XXXX XXXX Acct # XXXX Date Opened : XXXX Balance : $ XXXX Issue : Charge Off I am not aware of this account and have never authorized or opened it. I request deletion of this account if it can not be verified through original signed agreements. 
XXXX Acct # XXXX Date Opened : XXXX Balance : $ XXXX : Charge Off This reporting is inaccurate. I have no account with this lender. I request a complete verification or deletion under FCRA 611 ( a ). 
XXXX Acct # XXXXXXXX XXXX Date Opened : XXXX Balance : $ XXXX : Charge Off I have no knowledge of this account. Please delete it from my report unless the furnisher can provide evidence confirming it belongs to me. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX  Date Opened : XXXX Balance : $ XXXX : Collection I have no knowledge of this alleged debt. Please verify this account with full documentation or delete it if unverified. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : $ XXXX : Charge Off This reporting is inaccurate and does not belong to me. Please remove this entry if it can not be validated with original signed records. 
XXXX Acct # XXXXXXXX XXXX Date Opened : XXXX Balance : $ XXXX Issue : Late Payment The reported late payment is inaccurate. I have always paid on time. Please correct the payment history to reflect on-time payments. 
XXXX Acct # XXXX Date Opened : XXXX Balance : $ XXXX Issue : Collection I have no record or knowledge of this account. Please verify it with complete proof or delete it as unverified. 
XXXX  Acct # XXXXXXXX XXXX  Date Opened : XXXX Balance : $ XXXX Issue : Collection This account does not belong to me. It must be deleted from my credit report if it can not be validated. 
XXXX Acct # XXXX Date Opened : XXXX XXXX : $ XXXX : XXXX I have no knowledge of this account. Please conduct a reinvestigation and remove this item if unverified. 
Unauthorized or Questionable Inquiries : The following hard inquiries appear on my credit file without my authorization. These inquiries were not initiated by me and should be deleted immediately under the FCRA : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are not authorized by me and should be removed to prevent further harm to my credit profile. 
Summary of Violations The credit reporting agencies and furnishers have : Failed to provide verification of disputed accounts ( 611 ) Reported duplicate and inaccurate information ( 607 ( B ) ) Allowed unauthorized hard inquiries without my consent ( 604 ) Continued to report unverifiable data despite dispute submissions ( 623 ( A ) ( 3 ) ) Requested Resolution I respectfully request that the Consumer Financial Protection Bureau : 1. Conduct an investigation into the data furnishers and credit bureaus involved.

2. Require deletion or correction of all inaccurate, unverifiable, and duplicate entries.

3. Ensure removal of all unauthorized hard inquiries.

4. Provide written confirmation of the corrective actions taken.

I have attached copies of my identification, proof of address, and dispute evidence previously submitted to the credit bureaus. 
Thank you for your attention and assistance in ensuring that my credit file is accurate and compliant with federal law.

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