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 Officer, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) against the credit reporting agencies and furnishers of information listed below. The following items appear on my credit report without permissible purpose, without my consent, and in violation of my rights under the FCRA. These false and damaging entries have severely harmed my credit standing, cost me lending opportunities, and caused emotional and financial distress. 
XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address is not mine and has no connection to me whatsoever.

Law : FCRA Section 609 ( a ) ( 1 ) Consumers have the right to know the sources of their information and to have inaccurate data removed.

Story : The presence of this address creates confusion in my file, as it appears that my credit history is being mixed with another persons. This can result in me being held accountable for debts, collections, or negative marks that belong to someone else, which can have devastating effects on my personal and financial life. 

XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : I have no association with this address at any time in my life.

Law : FCRA 611 ( a ) Upon receiving a dispute, the credit reporting agency must conduct a reinvestigation and delete any unverifiable or inaccurate information within 30 days.

Story : Having this incorrect address tied to my file makes it appear as if I have a history or connection that does not exist. This has already caused issues with credit approvals, delays in processing applications, and increased scrutiny in employment background checks. The ongoing misreporting is unjust and has real-life consequences that affect my livelihood. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Late Payment Issue : The reported late payment is inaccurate and unverified. No evidence or payment history substantiates this claim.

Law : FCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information shall not furnish data to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate.

Story : I have always ensured that payments on this account were made on time, and any suggestion of lateness is false. This erroneous reporting has significantly lowered my credit score, caused denials for credit applications, and led to higher interest rates. I am now paying more for loans and insurance because of an inaccuracy that the creditor has failed to correct despite disputes. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Late Payment Issue : The reported late payment is inaccurate and has not been validated with any payment records.

Law : FCRA 623 ( b ) Upon receiving a dispute from a consumer, the furnisher must conduct a reasonable investigation and delete information found to be inaccurate or unverifiable.

Story : This false late payment is hurting my ability to secure affordable credit. Lenders are using this incorrect data to justify higher rates, which directly impacts my finances. I have lost out on better loan offers, and my creditworthiness is being unfairly questioned because the furnisher refuses to correct its error. 

XXXX XXXXXXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account is inaccurately reported as having a late payment without any contractual breach. 
Law : FDCPA 807 ( 8 ) It is prohibited to communicate or threaten to communicate false credit information.

Story : My records show that I made timely payments, yet a late mark has been placed on my account, damaging my credit standing. This false information has been used to deny me new credit cards and has reduced my available credit limit, directly affecting my financial flexibility. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment Issue : False late payment status without any proof of breach or missed payment. 
Law : FCRA 623 ( a ) ( 2 ) Furnishers must promptly update and correct inaccurate information.

Story : This account is brand new, yet it is already being reported with a late payment. Such a glaring error immediately damages my profile with lenders and creates doubt about my reliability as a borrower, preventing me from building my credit properly. 

XXXX XXXX XXXX High Balance : {$3200.00} Date Opened : XX/XX/XXXX Late Payment Issue : Inaccurate late payment reporting with no evidence provided.

Law : FCRA 611 ( a ) Unverifiable information must be deleted from a consumers file.

Story : This false late mark directly caused my mortgage application to be denied, costing me the opportunity to purchase a home and forcing me into more expensive rental arrangements. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Unsupported late payment report with no proper documentation. 
Law : FCRA 607 ( b ) CRAs must follow reasonable procedures to assure accuracy.

Story : Because of this error, I missed the chance to refinance my auto loan at a lower rate, costing me thousands of dollars over the life of the loan. 

XXXX XXXXXXXX XXXX XXXX  High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late Payment Issue : No evidence of a missed payment exists, yet the account is marked late. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) Duty to furnish only accurate information.

Story : This false report has damaged my standing with lenders, forcing me to accept less favorable terms and reducing my overall financial opportunities. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$25000.00} Date Opened : XX/XX/XXXX Charge Off Issue : No proof of default ; improperly reported as charged off.

Law : FCRA 623 ( b ) Duty to investigate disputed information.

Story : This wrongful charge-off has caused me to be denied employment in positions requiring a credit check, which is directly impacting my income potential. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Charge Off Issue : No proof of delinquency ; false charge-off status. 
Law : FCRA 623 ( a ) Duty to provide accurate and verifiable data.

Story : This entry caused my recent auto loan to be denied and has forced me to rely on costly alternative transportation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Charge Off Issue : Debt is unverified and no validation has been provided. 
Law : FDCPA 809 ( b ) A debt collector must provide validation upon request before reporting to a CRA.

Story : I requested proof multiple times and was ignored, yet the account remains on my report, harming my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$630.00} Date Opened : XX/XX/XXXX Charge Off Issue : False charge-off without any verification. 
Law : FDCPA 807 ( 8 ) Prohibits reporting false credit information.

Story : The continued presence of this inaccurate item is reducing my score and harming my ability to obtain even basic credit lines. 

Bankruptcy Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issue : I never filed for bankruptcy ; this record belongs to another person.

Law : FCRA 605 ( a ) ( 1 ) Only accurate public records may be reported.

Story : This false bankruptcy listing is one of the most damaging errors possible, as it makes me appear as a high-risk borrower to every lender. I have been denied mortgages, personal loans, and credit cards because of it. This is financial defamation and must be removed immediately. 

XXXX XXXX XX/XX/XXXX Inquiry Issue : This hard inquiry was made without my knowledge, authorization, or any credit application from me.

Law : FCRA 604 ( a ) Permissible purposes for obtaining a credit report are limited to instances where the consumer has given consent or initiated a transaction.

Story : This inquiry is lowering my credit score and suggesting to other lenders that I am seeking multiple credit lines when I am not. It is damaging my credibility and has raised identity theft concerns. 

XXXX XX/XX/XXXX Inquiry Issue : I never applied for credit with XXXX on this date.

Law : FCRA 604 ( a ) ( 2 ) A credit report can not be accessed without a legitimate business need and my consent.

Story : This unauthorized pull makes it look like I am actively seeking loans, which hurts my score and can lead to higher interest rates from other creditors. 

XXXX XX/XX/XXXX Inquiry Issue : No application for credit was made to OneMain on this date.

Law : FCRA 604 ( c ) Requires written instruction or application for permissible purpose.

Story : Each hard inquiry impacts my score and affects how lenders perceive my stability. This is an unwarranted and harmful entry. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : No authorization or business relationship existed for this inquiry.

Law : FCRA 604 ( a ) Violates permissible purpose requirement.

Story : This makes it seem like I applied for dealership financing, which is inaccurate and misleading to other creditors. 

XXXX XXXX  XX/XX/XXXX Inquiry Issue : This hard inquiry was made without my consent. 
Law : FCRA 604 ( a ) ( 2 ).

Story : Unwanted inquiries damage my score and harm my reputation with lenders. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : No credit application made with XXXX XXXX on this date. 
Law : FCRA 604 ( a ).

Story : This unnecessary pull signals risky borrowing behavior to other creditors, harming my credit profile. 

XXXX XX/XX/XXXX Inquiry Issue : I did not initiate a credit request with XXXX on this date. 
Law : FCRA 604 ( a ).

Story : This is another example of unauthorized credit pulling, lowering my score and raising suspicion from other creditors. 

XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiry Issue : I did not authorize this inquiry. 
Law : FCRA 604 ( a ).

Story : These multiple inquiries from the same source compound the damage to my credit score. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : No authorization was given for this inquiry. 
Law : FCRA 604 ( a ).

Story : Continues the false narrative that I am seeking dealership financing when I am not.

Conclusion & Demand for Resolution : These inaccuracies, unauthorized inquiries, and false addresses are in direct violation of my rights under the Fair Credit Reporting Act. I demand an immediate investigation, deletion of the disputed items, and written confirmation of removal within 30 days as required by FCRA 611 ( a ). Continued reporting of inaccurate information will result in legal escalation and complaints to additional oversight agencies.

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