Consumer complaint received 2025-07-25 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:
To Whom It May Concern, I am submitting this complaint to formally report multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by credit reporting agencies and data furnishers. The information listed below is inaccurate, unverified, misleading, and has caused substantial harm to my credit standing and financial stability. 
XXXX XXXX XXXX XXXX, FL XXXX Issue : Misreported and never authorized as my residence. 
Law : FCRA 1681i ( a ) requires credit bureaus to investigate and delete disputed items. 
Story : I have never lived at this address. Its listing indicates data merging errors or possible identity confusion. This mistake creates confusion about my identity and financial history. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Inaccurate and unverified address. 
Law : The credit bureau failed to maintain proper procedures as required under FCRA XXXX ( b ). 
XXXX : This location is completely unknown to me and unrelated to my credit profile. Misreporting false address data can lead to mistaken identity and rejection of credit applications. 
XXXX XXXX CT XXXX, FL XXXX Issue : Duplicate or false address. 
Law : Under FCRA 602 ( A ), consumers must be protected from inaccurate information. 
XXXX : This address is also inaccurate and duplicates another wrong entry. I believe this is a result of a mixed file or error from a data furnisher that was never verified. This needs to be deleted immediately. 
XXXX XXXX XXXX XXXX * | XXXX XXXX * * Issue : This account reflects late payments that are inaccurate and not reflective of my actual payment history. 
Law : FCRA XXXX requires furnishers to report accurate data. 
Story : I made my payments on time, and the reported delinquency is due to internal processing errors. I contacted the lender, and they confirmed discrepancies. This misreporting unfairly damaged my credit. 
XXXX XXXX XXXXXXXX * * | XXXX XXXX * * Issue : Unjustified late payment. 
XXXX : FCRA XXXX ( a ) grants me the right to dispute inaccurate info. 
Story : During the pandemic, I faced documented hardship and communicated with the creditor. I was assured there would be no late mark, yet the credit report shows otherwise. This is misleading and unjust. 
XXXX FCU XXXX * * | XXXX XXXX * * Issue : Late payment inaccurately marked. 
XXXX : FCRA 1681e ( b ) requires maximum accuracy. 
Story : I enrolled in a payment plan with the lender, and no late reporting should have occurred during that arrangement. The presence of this late payment undermines the agreement and misrepresents my responsibility. 
ALLY FINCL XXXX * * | XXXX XXXX * * Issue : Wrongful delinquency reported. 
XXXX : FCRA XXXX ( b ) obligates furnishers to investigate disputed data. 
Story : I was in an approved deferment due to job loss when this late mark was added. This not only breaches our agreement but causes further financial harm due to the unfair drop in my XXXX XXXX. 
AFFIRM XXXX XXXX * * | Late Payment * * Issue : Inaccurate late payment. 
XXXX : FCRA XXXX ( a ) requires reinvestigation of disputes. 
Story : I was not delinquent on this account. This entry is the result of a reporting mistake, and XXXX has failed to respond to my prior request for correction. This is harming my credit unfairly. 
XXXX XXXX XXXX * * | XXXX * * Issue : Duplicated collection account. 
Law : FCRA XXXX mandates fair and accurate reporting. 
XXXX : This collection appears to be duplicated from another XXXX account. Reporting the same debt under different formats or names is deceptive and inflates my derogatory marks unfairly. 
XXXX XXXX XXXX * * | XXXX * * Issue : Duplicate and unverifiable. 
Law : FDCPA XXXX, FCRA XXXX ( b ). 
Story : XXXX, this debt is reported as both charge-off and collection. This is unfair, misleading, and needs immediate deletion due to lack of validation and deceptive dual reporting. 
XXXX XXXX| XXXX XXXX : XXXX listed with no documentation. 
Law : FDCPA XXXX requires validation. 
Story : I have no knowledge of this alleged debt, and no collection letter or notice was sent. This entry must be deleted immediately as no debt validation was ever performed. 
CB/COMENITY XXXX * * | XXXX XXXX * * Issue : Account shows charge-off despite dispute. 
XXXX : FCRA XXXX ( a ) requires reinvestigation. 
Story : I previously disputed this account. Despite the dispute, the data remains unchanged without any validation or response, violating my rights and misrepresenting the status of this account. 
XXXX XXXX * * | XXXX XXXX * * Issue : XXXX reported late without basis. 
XXXX : FCRA XXXX ( b ). 
XXXX : This account had a payment deferment granted due to temporary hardship. Late payment reporting goes against the agreement and is unjustified. 
XXXX XXXX XXXX XXXX * * | Charge Off * * Issue : Charge-off entry for a {$0.00} balance. 
Law : FCRA 1681s-2 ( a ) ( 1 ). 
Story : A charge-off with no balance is clearly inaccurate and misleading. Either the debt exists or it does notreporting it this way violates the law and consumer rights. 
XXXX XXXX XXXX * | XXXX XXXX * * Issue : Late payment inaccurately reflected. 
XXXX : FCRA 1681i ( a ). 
Story : I never missed a payment on this account. This error XXXX stem from system misreporting or improper data update by the furnisher. Ive made multiple attempts to fix it but no response was received. 
INQUIRIES ( Hard Pulls That I Did Not Authorize or Were Done Without My Consent ) XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX Issue : I did not authorize these hard inquiries. 
XXXX : FCRA 604 ( a ) ( 3 ) only allows permissible purpose. 
Story : These hard inquiries occurred without my prior written consent and are harming my XXXX XXXX. No service or credit application was ever initiated with these companies. This is a direct violation of FCRA, and I demand immediate removal. 
SUMMARY OF HARMS My XXXX XXXX has dropped significantly due to these issues. 
I have been denied credit and opportunities due to inaccurate derogatory marks. 
I am suffering emotional distress and financial limitations due to this repeated negligence. 
Credit bureaus and data furnishers have failed to properly investigate or respond to my disputes. 
RESOLUTION REQUEST I respectfully request the CFPB to : 1. Investigate the credit bureaus ( XXXX, Experian, XXXX ) and furnishers reporting the information listed above.

2. Compel deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries.

3. Enforce penalties for noncompliance and violation of FCRA and FDCPA.

4. Ensure accurate correction of my credit file and provide documentation of actions taken.

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