Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX Law Issue : This is being reported without permissible purpose or consent, which violates FCRA Section 604 and 607 ( b ) Story : I have no ties to this location, and it must be deleted. Failure to correct this error is causing emotional and financial harm XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX Law Issue : This address violates FCRA Section 602 and 609 due to lack of relevance and consent Story : I do not live here and never authorized this to be included in my file. It may be contributing to identity confusion or mixed files and must be removed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$45000.00} Late Payment Law Issue : Reporting late payments without proper investigation or verification violates FCRA Section 623 ( a ) ( 1 ) ( A ) and 611 Story : I dispute the accuracy of the reported late payment. I was in communication with the creditor regarding a hardship and no proper notice or grace period was provided. This entry is harming my credit unfairly and should be corrected or deleted after reinvestigation XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6100.00} Collection Law Issue : Under FCRA Section 609 and FDCPA Section 807 ( 8 ), reporting a collection without providing validation is illegal Story : I never received a notice or validation of debt for this account. I request the full validation including signed agreement and breakdown of charges. If it can not be verified, it must be deleted immediately In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

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