Consumer complaint received 2025-08-19 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 filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records.

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law/Issue : FCRA 604 & 609 require accurate consumer file reporting. This address is incorrect and not associated with me. Reporting of false addresses creates identity confusion and inaccurate profiling.

Story : I have never lived at or used this address. Its appearance on my file suggests a mixed file or clerical error. I demand its immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law/Issue : FCRA 607 ( b ) requires maximum possible accuracy. This address is not mine and should not appear in my report.

Story : I have no connection to this address whatsoever. Keeping it listed places me at risk for identity theft and damages my creditworthiness. Please delete it. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$140.00} Late Payment Law/Issue : FCRA 602 ( A ) and 609 ( a ) ( 1 ) require fair and accurate reporting. Late payments are being reported inaccurately.

Story : I dispute this accounts payment history because I have records showing payments were not late as reported. Please reinvestigate and correct or delete. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2300.00} Late Payment Law/Issue : FCRA 611 mandates reinvestigation when disputed.

Story : The late payment history is incorrect. I dispute the accuracy of this report as it misrepresents my payment activity. Delete or correct immediately. 

XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Late Payment Law/Issue : FCRA 607 ( b ) maximum accuracy and 611 reinvestigation.

Story : Report shows late payments that are not valid. I request proper verification or removal if unverifiable. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Highest balance {$580.00} Chargeoff Law/Issue : FCRA 609 ( a ) ( 1 ) entitles me to original source verification. If creditor can not provide contract with my signature, account must be deleted.

Story : I do not have record of authorizing this debt. The chargeoff reporting is damaging and must be removed unless fully validated. 
XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$1100.00} Chargeoff Law/Issue : FCRA 611 investigation required.

Story : I dispute this chargeoff entry as it is inaccurate and unverifiable. Please delete if proper validation can not be obtained. 

XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1400.00} Late Payment Law/Issue : FCRA 607 ( b ) demands accuracy in reporting.

Story : This late payment is reported in error. My records show otherwise. Delete or correct this item. 

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Highest balance {$610.00} Chargeoff Law/Issue : FCRA 609 ( a ) ( 1 ) requires proof of debt ownership.

Story : I dispute this chargeoff as I never authorized this debt in this form. Without verification, it must be removed. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$480.00} Late Payment Law/Issue : FCRA 611 requires reinvestigation.

Story : Report reflects late payments inaccurately. Please verify or delete
. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Highest balance {$820.00} Chargeoff Law/Issue : Incomplete and unverifiable debt reporting violates FCRA 607 ( b ).

Story : I dispute this account. Without proper signed documentation it must be deleted. 

XXXX XXXX Date opened XXXX XXXX, XXXX Original balance {$2800.00} Chargeoff Law/Issue : FCRA 611 gives me the right to challenge accuracy.

Story : This chargeoff is damaging my file but creditor has failed to validate. Please remove. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance {$26000.00} Chargeoff Law/Issue : FCRA 602 ( A ) accuracy required.

Story : I dispute this entry as not properly verified. Please delete if creditor can not provide original documentation. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$760.00} Chargeoff Law/Issue : FCRA 609 ( a ) ( 1 ) requires disclosure of debt source.

Story : I have no record of this account. This appears fraudulent or mixed file. Delete immediately if unverifiable. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : FCRA 604 ( a ) requires permissible purpose. I never authorized this inquiry.

Story : This hard inquiry was done without my consent and is damaging my score. Please delete. 

XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 ( a ) requires consumer authorization.

Story : I never gave permission for this inquiry. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : Unauthorized hard inquiry violates FCRA permissible purpose rules .

Story : This inquiry was not authorized by me. Please delete.

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation