Consumer complaint received 2025-07-26 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 XXXX, I am filing this formal complaint against multiple entities and credit reporting agencies due to the presence of incorrect addresses, fraudulent or inaccurate account reporting, and unauthorized credit inquiries on my consumer credit report. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and have caused me financial harm, emotional distress, and denials of credit and employment. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX WRONG ADDRESS Issue : I have never lived at this address and have no connection to it. 
Law : FCRA 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy. 
Story : This incorrect address appears to be a case of file mismerge or identity confusion, and its presence on my credit report has caused me to be denied credit and questioned during employment verifications. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS Issue : There is no connection between me and this address in any capacityno lease, bill, or mail. 
Law : FCRA 1681c Consumer files must not include outdated or irrelevant personal identifiers. 
Story : This error led to a collection account being wrongly linked to me, which was highly distressing and damaged my ability to obtain housing. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : I never opened this account with XXXX. 
Law : FCRA 1681i Unverifiable information must be deleted upon dispute. 
Story : I have no knowledge of this account, never received bills or services, and now I'm receiving collection calls for something I did not authorize, causing severe emotional and financial strain. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This is not my account, and I never applied for or opened a XXXX card with this number. 
Law : FCRA 1681s-2 ( a ) Data furnishers must report information accurately. 
Story : I suspect identity theft may be involved. Despite contacting XXXX, I have received no validation of this debt, and the charge-off is unjust and harmful to my credit score. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account has a {$0.00} balance and should not show a late payment. 
Law : FCRA 1681e ( b ) Consumer reports must be accurate and up to date.

Story : The presence of a late payment, even after the account was paid in full, creates a false impression of delinquency and caused me to be declined for a personal loan. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I made timely payments and closed this account, yet it is listed as charged off. 
Law : FCRA 1681s-2 ( b ) Furnishers must correct and update inaccurate information. 
Story : During a temporary hardship, I fell behind but paid the balance. Instead of reporting the account as resolved, XXXX XXXX reported a charge-off, damaging my score unfairly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX Issue : This appears to be a duplicate of the XXXX XXXX XXXX listed above. 
Law : FCRA 1681e ( b ) Duplicate reporting of derogatory information is inaccurate and misleading. 
Story : This duplicate entry gives the false impression that I owe double the amount, compounding the damage to my credit profile and reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I voluntarily surrendered the vehicle due to extreme financial hardship but am now listed with a charge-off. 
Law : FCRA 1681i Consumers have the right to provide explanations and dispute unfair reporting. 
Story : After a medical emergency and loss of income, I contacted XXXX XXXX XXXX to explain my situation. Despite cooperation, they repossessed the vehicle and listed it as a charge-off, which now prevents me from getting a new vehicle loan. 
XXXX XXXX XX/XX/XXXX INQUIRY Issue : I did not authorize this hard inquiry. 
Law : FCRA 604 All inquiries must be made with the consumer 's knowledge and for a valid purpose. 
Story : This inquiry appeared on my report without my consent and caused my credit score to drop unexpectedly during a mortgage application. 
XXXXXXXX XXXX XXXX XXXX Issue : I never initiated any application with XXXX  or XXXX on this date. 
Law : FCRA 604 ( a ) ( 2 ) Consumers must authorize credit checks. 
Story : This unauthorized inquiry was done without my knowledge and is contributing to the high number of inquiries on my report, making me look like a credit risk. 
XXXX XXXXXXXX XXXX XXXX Issue : No credit request was made by me to XXXX XXXX. 
Law : FCRA 604 Credit inquiries require a consumer-initiated action. 
Story : I reached out to XXXX XXXX, and they failed to provide evidence that I authorized this pull. It has negatively impacted my credit score. 
XXXX XXXX XXXX XXXX XXXX Issue : Unauthorized inquiry reported with no account opened. 
Law : FCRA 604 ( a ) ( XXXX ) ( A ) Permissible purpose must exist. 
Story : This inquiry gives the appearance of aggressive credit-seeking behavior, which is not true and has led to credit denials. 
XXXX XXXXXXXX XXXX XXXX Issue : I did not submit a credit application to XXXX  XXXX at this time. 
Law : FCRA 604 ( b ) ( XXXX ) Creditors must obtain informed consent for credit pulls. 
Story : This inquiry lowered my score, and I was denied a line of credit elsewhere due to excessive inquiries. 
XXXX XXXX XX/XX/XXXX XXXX  Issue : Duplicate inquiry from XXXX XXXX without justification. 
Law : FCRA 604 Inquiries must be necessary and tied to consumer action. 
Story : This repeat pull was made without my knowledge, increasing the count of hard inquiries and reducing my creditworthiness. 
XXXX XX/XX/XXXXXXXX XXXX Issue : I did not apply for any product with XXXX XXXX. 
Law : FCRA 604 ( a ) ( XXXX ) Requires prior consent for credit pulls. 
Story : This unauthorized inquiry has caused my existing XXXX cards limit to be reviewed and reduced, affecting my utilization ratio. 
Request for Investigation and Resolution : I respectfully request the CFPB to : XXXX. Investigate and enforce the deletion of the above-listed inaccurate addresses, accounts, and inquiries from my credit file. 
XXXX. Require the data furnishers to provide documentation proving my authorization and liability, or immediately delete the accounts. 
XXXX. Require the consumer reporting agencies to correct or remove all unverifiable, inaccurate, or duplicate information. 
XXXX. Provide me with a written statement of the results of these investigations within the XXXX statutory period. 
If these issues are not resolved, I am prepared to escalate this complaint and pursue legal action under FCRA 616 ( willful noncompliance ) and 617 ( negligent noncompliance ), which entitles me to statutory and punitive damages. 
Thank you for your assistance in protecting consumer rights and holding these companies accountable.

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