Consumer complaint received 2025-09-16 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 filing this complaint against multiple creditors, debt collectors, and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit file. These errors are causing significant harm to my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. Wrong Address Reporting The following addresses are being falsely reported on my credit file. I have never resided at these addresses, and they should be removed immediately : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. Inaccurate/Unverifiable Accounts The following accounts are being reported inaccurately and must be investigated and removed if unverifiable : XXXX XXXX XXXXXXXX XXXX XXXX Late Payment * * ( Opened XX/XX/XXXX, {$2300.00} ) XXXX XXXX XXXX XXXX XXXX  Charge Off * * ( Opened XX/XX/XXXX, {$1400.00} ) XXXX XXXX XXXX XXXX XXXX Charge Off * * ( Opened XX/XX/XXXX, {$500.00} ) XXXX XXXX XXXX XXXX XXXX  Charge Off * * ( Opened XX/XX/XXXX, {$960.00} ) XXXX XXXX XXXX XXXX XXXX  Charge Off * * ( Opened XX/XX/XXXX, {$730.00} ) XXXX XXXX XXXX XXXX XXXX Late Payment * * ( Opened XX/XX/XXXX, {$530.00} ) XXXX XXXX XXXX XXXX XXXX  Charge Off * * ( Opened XX/XX/XXXX, {$1300.00} ) XXXX XXXX XXXX XXXX XXXX Collection * * ( Opened XX/XX/XXXX, {$1500.00} ) XXXX XXXX XXXX XXXX XXXX  Collection * * ( Opened XX/XX/XXXX, {$2000.00} ) XXXX XXXX XXXX XXXX XXXX  Collection * * ( Opened XX/XX/XXXX, {$2200.00} ) XXXX XXXX XXXX XXXX XXXX  Collection * * ( Opened XX/XX/XXXX, {$1000.00} ) XXXX XXXX XXXX XXXX Collection * * ( Opened XX/XX/XXXX, {$2200.00} ) XXXX XXXX XXXX * * Charge Off * * ( Opened XX/XX/XXXX, {$45000.00} ) XXXX XXXX XXXXXXXX XXXX XXXX Charge Off * * ( Opened XX/XX/XXXX, {$22000.00} ) XXXX XXXX XXXX XXXX Charge Off * * ( Opened XX/XX/XXXX, {$2200.00} ) XXXX XXXXXXXX XXXX XXXX Charge Off * * ( Opened XX/XX/XXXX, {$1000.00} ) XXXX XXXX XXXX XXXX XXXX  Late Payment * * ( Opened XX/XX/XXXX, {$440.00} ) XXXX XXXX XXXXXXXX XXXX XXXX Charge Off * * ( Opened XX/XX/XXXX, {$310.00} ) XXXX XXXX XXXX XXXX XXXX Charge Off * * ( Opened XX/XX/XXXX, {$960.00} ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge Off * * ( Opened XX/XX/XXXX, {$560.00} ) XXXX XXXX XXXX XXXX  Charge Off * * ( Opened XX/XX/XXXX, {$330.00} ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge Off * * ( Opened XX/XX/XXXX, {$970.00} ) 3. Violations of My Rights These accounts are either inaccurate, incomplete, outdated, or can not be verified.

Continued reporting without proper investigation violates FCRA Section 611.

Debt collectors reporting without validation are in violation of FDCPA Section 809.

Requested Resolution I respectfully request the following : Immediate deletion of the wrong addresses listed above.

A full investigation of all accounts listed, with deletion of any unverifiable or inaccurate information.

Written confirmation of corrections and deletions within 30 days as required by law.

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