Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccurate and unlawful reporting activities by various creditors and debt collectors on my credit report. These violations have caused significant harm to my creditworthiness and financial reputation. 
Below is a detailed account of the disputed items, including account numbers, specific issues, and the relevant consumer protection laws that have been violated : 1. Credit Reporting and Payment Issues XXXX, Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$10000.00} Issue : Repeated late payments reported inaccurately. 
Violation : Under the Fair Credit Reporting Act ( FCRA ), inaccurate or misleading information must not be reported. Reporting late payments without proper verification violates 15 U.S.C. 1681s-2. 
XXXX, Account # XXXX Date Opened : XX/XX/XXXX | High Credit : {$500.00} Issue : Inaccurate late payments reported. 
Violation : FCRA 1681s-2, failure to ensure accurate reporting. 
XXXX XXXX, Account # XXXX Date Opened : XX/XX/XXXX | High Credit : {$240.00} Issue : Late payments inaccurately reported. 
Violation : FCRA 1681s-2, inaccurate data reporting. 
XXXX XXXX, Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Late payment reporting despite balance being {$0.00}. 
Violation : FCRA 1681s-2, inaccurate reporting. 
XXXX. Charge-Offs Reported XXXX, Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$780.00} Issue : Charged off without proper notification or validation. 
Violation : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g requires debt collectors to provide validation of the debt. 
XXXX XXXX XXXX, Account # XXXX  Date Opened : XX/XX/XXXX | Balance : {$88.00} Issue : Charge-off status reported inaccurately. 
Violation : FDCPA 1692g and FCRA 1681s-2. 
XXXX XXXX, Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$2300.00} Issue : Charge-off reported without proper validation. 
Violation : FDCPA 1692g. 
XXXX, Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$1800.00} Issue : Charge-off reported inaccurately. 
Violation : FDCPA 1692g. 
XXXX, Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$680.00} Issue : Charge-off reported inaccurately. 
Violation :

FDCPA 1692g.

XXXX. Collections Reported XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ), Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$2700.00} Issue : Debt placed in collections without proper validation or notice. 
Violation : FDCPA 1692g and FCRA 1681s-2. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX Date Opened : XX/XX/XXXX | Balance : {$860.00} Issue : Debt collection reported without proper validation. 
Violation : FDCPA 1692g. 
4. Incorrect Address Reporting The following addresses have been incorrectly reported on my credit files, leading to further inaccuracies and potential identity misattribution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Under the FCRA, inaccurate address information constitutes misinformation that can affect my credit score and personal records ( 15 U.S.C. 1681e ( b ) ). 
5. Unauthorized Credit Inquiries Multiple hard inquiries have been reported without my explicit authorization or knowledge, including : XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Violation : Under FCRA 604, credit inquiries require consumer authorization. Unauthorized inquiries are unlawful and must be removed.

Summary of Demands : 1. Immediate investigation and correction of all inaccurate late payments, charge-offs, collections, and address errors on my credit reports.

2. Validation of all debts reported, with documentation provided to me within 30 days.

3. Removal of all unauthorized credit inquiries from my credit report.

4. Assurance that all future reporting complies fully with FCRA and FDCPA requirements.

5. Notification to all credit reporting agencies and debt collectors to update or delete inaccurate information immediately. 
I expect swift action to correct these violations and restore the accuracy of my credit files. Failure to comply with federal laws not only harms consumers like me but also subjects the responsible entities to enforcement actions. 
Thank you for your prompt attention to this serious 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