Consumer complaint received 2025-09-03 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 formally dispute multiple inaccuracies and harmful items being reported on my credit file. These errors are negatively impacting my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ) where applicable.

Issues Identified : Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This is an inaccurate and unauthorized address being reported on my credit file. I have no verifiable association with this address. The continued reporting of incorrect personal information violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 

Late Payments XXXX XXXX XXXXXXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$560.00} ) * * XXXX XXXXXXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$590.00} ) * * XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$0.00} ) * * These accounts are inaccurately reporting late payments. I dispute the validity of these entries, as they are not supported with verifiable evidence. Under FCRA 611 ( a ), I have the right to request reinvestigation and removal of unverifiable information. 

Charge-Offs XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} ) * * XXXX XXXXXXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$0.00} ) * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$0.00} ) * * XXXX XXXX XXXXXXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$0.00} ) * * These accounts are inaccurately reported as Charge Off with a {$0.00} balance. This is misleading, damaging, and a violation of FCRA 607 ( b ), as no outstanding debt exists to support a charge-off status. 

Collections XXXX XXXX XXXXXXXX XXXX XXXX  ( Opened : XX/XX/XXXX, XXXX : {$810.00} ) * * This collection entry is being reported without proper validation of debt. Under FDCPA 809, debt collectors must provide written verification before reporting or pursuing collections. 

Hard Inquiries ( Unverified/Unauthorized ) XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) These inquiries appear on my credit file without my authorization. According to FCRA 604, a permissible purpose is required for any inquiry. These unauthorized pulls of my credit profile violate my rights and harm my credit score.

Requested Resolution : Immediate deletion of the wro
ng address.

Removal of all inaccurate late payment notations. 

Deletion of misleading charge-off accounts with XXXX balances. 

Removal of unverifiable collection accounts unless full documentation is provided. 

Deletion of unauthorized and impermissible hard inquiries.

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