Consumer complaint received 2025-07-25 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:
To Whom It May Concern, I am writing to formally file a complaint against the credit reporting agencies and the listed creditors regarding multiple inaccurate, unverified, and misleading entries appearing on my credit report. These erroneous entries have severely damaged my creditworthiness, misrepresented my payment history, and violated my rights under the Fair Credit Reporting Act ( FCRA ).

Below is a detailed account of the issues I dispute. I request a thorough investigation and prompt correction or deletion of these inaccurate items. 
Address Disputes XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This address does not belong to me and its inclusion on my credit report is false and misleading. The reporting of an incorrect address is a violation of FCRA 609 ( a ) ( 1 ), which mandates accurate personal identifying information. The presence of this wrong address damages my credibility and could cause wrongful association with fraudulent or mistaken activity. This false information increases the risk of identity theft and misdirects creditors, unfairly harming my credit standing. I demand immediate correction or removal of this erroneous address to restore the accuracy of my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Wrong Address Issue : This address has been improperly associated with my credit file without my consent or verification. FCRA mandates accuracy and relevancy of all personal data ; incorrect addresses harm my reputation and creditworthiness. This misreporting also infringes on my right to privacy and can be linked to possible identity errors. I insist on thorough reinvestigation and removal per 15 U.S.C. 1681i. 
Account Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$460.00} Late Payment Issue : Late Payment Law : Under the Fair Credit Reporting Act ( FCRA ) 1681i, all disputed information must be verified by the creditor. Reporting unverified or inaccurate late payments violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting.

Story : This late payment entry is factually incorrect and does not reflect my true payment history. I have maintained consistent, on-time payments for this account as evidenced by my records. Reporting a false late payment severely harms my credit score and misleads potential lenders about my reliability. It creates an unwarranted negative impact on my ability to secure loans, credit cards, or favorable interest rates. Moreover, failure to validate such negative information before reporting is a direct violation of federal law, potentially exposing the reporting entity to legal penalties. I insist on immediate removal of this false late payment unless credible proof of delinquency is provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$430.00} Late Payment Issue : Late Payment Law : Per FCRA 1681e ( b ), credit reporting agencies must ensure that all reported data is complete, accurate, and up to date. Incorrect late payments violate these provisions.

Story : The late payment entry on this account is unsupported and inaccurate. I have never received notification of missed or late payments, nor do my financial records show any such delinquencies. The presence of this erroneous information severely prejudices my creditworthiness and creates unwarranted obstacles in obtaining credit or housing. This inaccurate reporting is detrimental, misleading lenders, and in direct violation of my rights under FCRA. I demand an immediate and thorough reinvestigation, and deletion of this false late payment if it can not be substantiated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$300.00} Late Payment Issue : Late Payment Law : FCRA 1681i ( a ) ( 1 ) ( A ) guarantees consumers the right to dispute and receive verification of inaccurate or incomplete data.

Story : The reported late payment on this account is factually incorrect and unjustly harms my credit reputation. I have consistently made timely payments and have documentation supporting this fact. Incorrectly reporting a late payment misleads lenders and harms my credit score, reducing my access to fair financial products. Furthermore, this false report violates FCRA requirements for accurate and verified data. I demand immediate deletion of this entry if verification can not be provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$640.00} Charge Off Issue : Charge Off Law : FCRA 1681e ( b ) mandates accurate credit reporting, including correct reporting of charge-offs.

Story : The charge off reported here is outdated and inaccurate. This account was previously settled, and continuing to report it as a charge off misrepresents my credit history. Such misinformation unjustly lowers my credit score and misleads lenders about my financial responsibility. It also exposes me to increased interest rates and credit denials. Reporting an inaccurate charge off constitutes a violation of the FCRAs requirement for maximum accuracy, and I demand immediate correction or removal of this false information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5000.00} Charge Off Issue : Charge Off Law : According to FCRA 1681i, consumers have the right to dispute inaccurate or unverifiable information.

Story : This charge off has been reported inaccurately and without proper verification. It unfairly damages my creditworthiness and negatively impacts my financial opportunities. The presence of this inaccurate charge off misleads creditors and lenders, resulting in unwarranted negative consequences for me. I dispute this information in full and demand immediate reinvestigation and deletion if verification can not be provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$650.00} Charge Off Issue : Charge Off Law : FCRA 1681e ( b ) and 1681i require that charge offs are accurate and verified before reporting.

Story : This charge off is reported inaccurately and without adequate verification. Such false reporting unfairly harms my credit score and creditworthiness. It can lead to unjust denial of credit and other financial services. I dispute this charge off and demand immediate removal unless valid proof is supplied. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$460.00} Charge Off Issue : Charge Off Law : Under FCRA 1681e ( b ), credit reporting agencies must report only accurate and complete information.

Story : The charge off reported is not accurate or verified. It unfairly misrepresents my credit profile and damages my ability to obtain fair credit. I require this charge off be thoroughly reinvestigated and removed unless it can be verified with valid documentation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$180.00} Late Payment Issue : Late Payment Law : FCRA 1681i gives consumers the right to dispute inaccurate information and demand reinvestigation.

Story : The reported late payment is factually incorrect and does not align with my payment history. It unjustly lowers my credit score and creates a misleading negative impression for creditors. This misinformation violates federal laws requiring accuracy in credit reporting. I demand its immediate deletion or correction. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$110.00} Late Payment Issue : Late Payment Law : FCRA 1681i requires verification of disputed information.

Story : This late payment is falsely reported and does not correspond with my actual payment record. It unfairly harms my credit reputation and should be removed immediately if verification can not be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$310.00} Charge Off Issue : Charge Off Law : FCRA 1681e ( b ) and 1681i require maximum possible accuracy and verification of disputed data.

Story : This charge off is inaccurately reported and has not been verified. Its presence unfairly damages my credit and limits my financial opportunities. I dispute this reporting and demand correction or deletion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3700.00} Charge Off Issue : Charge Off Law : FCRA requires only accurate, verified charge offs to be reported.

Story : This charge off is false or unverifiable. Reporting such misinformation harms my creditworthiness and violates federal consumer protection laws. I demand its immediate removal. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1400.00} Charge Off Issue : Charge Off Law : FCRA 1681i requires deletion of unverifiable negative data.

Story : This charge off is inaccurately reported, damaging my credit without factual basis. I demand prompt removal unless proof is provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$730.00} Collection Issue : Collection Law : FCRA 1681i guarantees right to dispute and validation of collections.

Story : This collection is not verified and is incorrectly reported, causing unwarranted harm to my creditworthiness. I dispute this account and request removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Collection Issue : Collection ( Duplicate or Inaccurate ) Law : FCRA prohibits duplicate or false negative reporting.

Story : This collection entry is a duplicate or false and unfairly prejudices my credit. I demand its removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$810.00} Collection Issue : Collection ( Duplicate ) Law : Duplicate reporting is a violation under FCRA.

Story : This is a duplicate entry further damaging my credit unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$830.00} Collection Issue : Collection Law : FCRA 1681i requires validation of collections.

Story : This collection is reported without verification, unjustly harming my credit. I dispute this entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$620.00} Collection Issue : Collection Law : FCRA requires accuracy and verification.

Story : This outdated or unverifiable collection is unfairly damaging my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$260.00} Charge Off Issue : Charge Off ( Duplicate/False ) Law : FCRA prohibits false reporting.

Story : Duplicate or false charge off entry damaging credit unfairly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$680.00} Charge Off Issue : Charge Off Law : FCRA requires maximum accuracy.

Story : Inaccurate charge off entry unfairly damages my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$670.00} Charge Off Issue : Charge Off Law : FCRA requires verification of disputed information.

Story : This charge off is unverified and inaccurately reported. 
XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX High Credit : {$920.00} Charge Off Issue : Charge Off ( Duplicate ) Law : FCRA prohibits duplicate reporting. 
Story : Duplicate charge off entry unfairly impacts my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$640.00} Charge Off Issue : Charge Off ( Duplicate/False ) Law : Duplicate or false reporting violates FCRA.

Story : Additional duplicate entry that unfairly harms my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Charge Off Issue : Charge Off Law : FCRA requires maximum possible accuracy.

Story : Incorrect charge off entry unfairly harms my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$850.00} Charge Off Issue : Charge Off Law : FCRA requires truthful, accurate reporting.

Story : False charge off entry unfairly damages my credit.

I request the CFPB to ensure that the credit reporting agencies and creditors involved conduct a thorough investigation of these disputed items, verify their accuracy and validity, and remove or correct all unverifiable, duplicate, and false information promptly. Failure to correct these violations negatively impacts my ability to obtain credit, housing, and fair financial treatment.

Please keep me informed of any actions taken regarding this complaint. I appreciate your assistance in protecting my consumer rights.

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