Consumer complaint received 2025-07-31 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Address Law : FCRA 605 ( b ), 609 ( c ) ( 2 ) Issue : This is not a valid address linked to my identity. 
Story : I have no connection to this address and did not authorize it to appear on my credit report. Inclusion of such inaccurate data compromises the integrity of my report. Please delete this address promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$330.00} Late Payment XXXX XXXX  Law : FCRA 623 ( a ) ( 1 ) ( A ), 611 Issue : Late payment is inaccurately reported.

Story : This account shows a late payment I do not recognize. I have consistently met my obligations, and this negative mark is damaging and untrue. Please verify and remove this derogatory remark if it can not be substantiated. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$750.00} Charge-off XXXX XXXX  Law : FCRA 623 ( a ) ( 1 ) ( A ), 611, FDCPA 807 ( 8 ) Issue : This charge-off is inaccurately reported and unverifiable. 
Story : I dispute the validity of this debt and never received proper notice. The account balance, status, and reporting date are questionable and must be verified or deleted immediately from my report. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX  Law : FCRA 623 ( a ) ( 1 ) ( A ), 611 Issue : Late payment marked on a {$0.00} balance account. 
Story : Reporting a late payment on a {$0.00} balance account is unjustified and misleading. I believe this information is inaccurate and demand a reinvestigation under FCRA. Remove this item from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX  Law : FCRA 623 ( a ) ( 1 ) ( A ), 611 Issue : Charge-off with {$0.00} balance and questionable reporting. 
Story : This account reflects a charge-off despite showing a {$0.00} balance, which is contradictory and unfair. If the debt is resolved, there should be no negative status. I dispute this item and request full removal. 
XXXX XXXX XXXX  Hard Inquiry on XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Issue : Inaccurate or unauthorized credit inquiry.

Story : This inquiry does not align with any application or authorization from me. The bureau must investigate and remove this as it adversely impacts my credit score without just cause.

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

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