Consumer complaint received 2025-08-09 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:
Dear CFPB Representative, I am filing this formal complaint to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This address does not match my current or previous residence history and appears to have been added mistakenly. 
Law : Under FCRA 609, I have the right to accurate personal information in my report. 
Story : Because of this incorrect address, I have repeatedly faced confusion when applying for credit cards and loans, resulting in delays and denials by lenders. I was asked to provide documents proving my real residence, which not only caused embarrassment but also undermined my credibility during important transactions. Misidentification has created XXXX  about identity theft, and I have lost real financial opportunitiesincluding a rejected mortgage applicationbecause of these errors. I respectfully demand the entire removal of this address to avoid further harm to my reputation and finances. 

Account : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Issue : False late payment reported despite all on-time payments, with documentary proof available. 
Law : FCRA 1681s-2 ( a ) requires the reporting of accurate and current information. 
Story : Due to this erroneous late payment, my credit score dropped significantly, and I was denied two car loans and a line of credit for my small business. Even after repeatedly contacting the creditor and sharing payment records, the mistake persisted and resulted in higher borrowing costs. The stress of constant rejection has affected my family and mental health. I request immediate removal of this late payment from my report so that my financial stability and opportunities are restored. 

Account : XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charged-off status reported without proper contact, warning, or validation. 
Law : FCRA requires verification and communication before negative reporting. 
Story : As a result, I have struggled to rebuild credit and was denied a student loan for my XXXX XXXX tuition. The lack of communication from the creditor made it impossible for me to resolve the debt or set up a payment plan. This abrupt negative entry caused embarrassment and XXXX  in family discussions, and I fear it will affect future financial security. I request urgent investigation and removal. 

Account : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Misleading charge-off stated, and my request for debt validation was ignored. 
Law : FDCPA and FCRA require debt validation upon consumer request. 
Story : This error led to lost opportunities to rent an apartment and forced me to remain in poor living conditions. The lack of response from the creditor meant I could not challenge or correct their records, increasing my financial stress. My spouse and I were forced to put other plans on hold because of this uncertainty. Immediate validation and correction are needed. 

Account : XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charge-off status reported even though the account is under active dispute. 
Law : FCRA mandates investigation of disputed accounts. 
Story : This accounts status kept me from qualifying for new business financing, losing a strategic business partnership as a direct result. My reputation with business contacts is unfairly damaged, stunting both my income and growth. Prompt proper investigation and accurate reporting are essential for my future recovery. 

Account : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Collection reported without any prior notice of the debt or attempts to validate it. 
Law : FDCPA requires debt notice and validation for any collection item. 
Story : Because of this, I have received repeated threatening phone calls and suffered from XXXX  and sleep loss. My attempts to explain the situation to lenders were ignored, placing my future borrowing ability at risk. This is a clear case of consumer harassment and must be stopped. 

Account : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Duplicate collection entries listed for the same debt. 
Law : FCRA prohibits duplicate listings of the same account. 
Story : Two collection entries for the same debt have doubled the negative impact, lowering my score much more than would otherwise occur. This error resulted in higher insurance premiums and denial of a rental application. My financial planning has been thrown into chaos. I insist that the duplicate be removed at once. 

Account : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : Status confusion and unaddressed dispute continue to persist. 
Law : FCRA 611 requires timely dispute resolution. 
Story : My rental partner now questions my reliability, making it harder for me to secure safe and affordable housing for my children. I risk being evicted due to this misunderstanding. These stresses have begun affecting my health. Please resolve and update as soon as possible. 

Account : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Issue : Charge-off reported despite active payment dispute. 
Law : FCRA requires clear notation of disputed accounts. 
Story : Career changes requiring credit background checks have been put on hold because of this negative entry, affecting my professional advancement, income, and long-term goals. The emotional burden on my family is growing daily. This account must be corrected or properly marked as disputed. 

Account : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Wrongly marked as both charge-off and collection without accurate investigation. 
Law : CFPB and FCRA require thorough review and correct updates. 
Story : These compounded errors have ruined my chances to buy a home and set up a small business, causing deep frustration and loss of hope. It continues to jeopardize my basic financial security. Immediate correction is needed to restore my lifes stability. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Issue : Hard inquiry listed without advance permission. 
Law : FCRA prohibits unauthorized credit inquiries. 
Story : This has complicated my ability to renew a mortgage and made lenders question my creditworthiness. My familys plans for relocation were adversely impacted. Urgent removal is requested. 

Inquiry : XXXX XXXX XX/XX/XXXX Issue : Inquiry reported without my authorization. 
Law : FCRA requires consumer consent for all inquiries. 
Story : Resulted in a declined banking proposal for a business account, disrupting both family finances and my ability to manage payroll effectively. Please remove urgently. 

Requested Relief : I am requesting CFPB 's immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : 1. Delete the wrong addresses from my credit report.

2. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX.

3. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed.

4. Provide evidence of proper investigation and validation from data furnishers or delete the entries.

5. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.

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