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enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting.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 XXXX XXXX XXXX XXXX, FL XXXX Address Law : FCRA 602 ( A ), 611, 607 ( b ) Issue : This address is inaccurate and does not belong to me Story : I have never lived at or been affiliated with this address. Including this in my credit file is a clear violation of my rights under the FCRA. I am requesting immediate deletion of this address from all of my credit records. 

XXXX XXXX XXXX XXXX Late Payment XXXX XXXX  Law : FCRA 611, 607 ( b ), 602 ( B ) Issue : Late payment is inaccurately reported Story : I dispute this late payment as I was not delinquent as reported. I request full investigation into the accuracy and if proper verification can not be produced, it must be removed immediately from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX Chargeoff XXXX XXXX  Law : FCRA 611, 602 ( B ), 607 ( b ) Issue : This account is incorrectly marked as chargeoff Story : I was never notified of any outstanding balance or delinquency for this account. The chargeoff is inaccurate and must be removed based on lack of verification and due process. 

XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff XXXX XXXX Law : FDCPA 809 ( b ), FCRA 611, 607 ( b ) Issue : Third-party debt collector listing a chargeoff without validation Story : This account is not mine and no proper validation was provided. Reporting this without complete documentation is a violation of my rights. I request removal. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff XXXX XXXX Law : FDCPA 809, FCRA 611 Issue : Debt reported with no supporting evidence Story : I have no knowledge of this debt and have not received any notice or documentation to support its legitimacy. Please investigate and remove this unverifiable account. 

XXXX XXXX XXXX XXXX XXXX  Chargeoff XXXX XXXX Law : FCRA XXXX, XXXX ( b ) Issue : Inaccurate reporting of charged-off balance Story : I dispute the accuracy of this chargeoff. The balance and status do not reflect my payment history. Please verify with original creditor or remove from my fileXXXX XXXX XXXX XXXX Chargeoff XXXX XXXX Law : FCRA 611, 607 ( b ) Issue : Duplicate or inaccurate chargeoff Story : This entry appears duplicative and inaccurate. I do not recognize this account, and I request a reinvestigation and immediate removal due to lack of verifiable documentation. 

XXXX XXXX XXXXXXXX XXXX XXXX Late Payment XXXX XXXX Law : FCRA 611 Issue : Late payment not supported by records Story : I made payments on time and this late mark is inaccurate. Please remove after proper reinvestigation and validation by original furnisher. 

XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX  Law : FCRA 607 ( b ), 611 Issue : Chargeoff status is incorrect Story : I never received any final billing statement or validation. This balance is incorrect, and without verification, it must be deleted. 

XXXX XXXX XXXX XXXX XXXX  Chargeoff XXXX XXXX Law : FCRA 611 Issue : Small balance reported as chargeoff incorrectly Story : This accounts balance and chargeoff status are inconsistent. I request validation or immediate deletion from my file. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA 604 Issue : No consent given for credit inquiry Story : I never granted permission to this company to access my credit. This is an unauthorized pull and must be deleted. 

XXXX XX/XX/XXXX Inquiry Law : FCRA 604 Issue : Hard inquiry without any application from me Story : I was surprised to find this inquiry as I have no dealings with this entity. Remove it as unauthorized and in violation of FCRA. 

XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiry Law : FCRA 604 Issue : Inquiry not initiated or authorized Story : I have never interacted with XXXX XXXX and did not approve any credit pull. Please delete this inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA 604 Issue : Inquiry made without my knowledge or permission Story : I have no business relationship with this company. This inquiry is unauthorized and should be removed. 

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