Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against multiple credit furnishers and credit reporting agencies for reporting inaccurate personal information, unauthorized hard inquiries, and false account statuses on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX Issue : I have no connection to this New Jersey address . It is an error or the result of a mixed file.

Law : FCRA 1681e ( b ) requires data furnishers to ensure accurate file matching.

Story : This address caused me stress during apartment background checks. Landlords questioned my out-of-state presence which never existed. Delete immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX Issue : This address does not belong to me and is inaccurately reported. 
Law : As per FCRA 1681i ( a ), inaccurate information must be investigated and corrected within 30 days. 
Story : Financial institutions flagged my file because this address shows multiple unrelated accounts. It has hurt my financial credibility and must be removed. 
XXXX XXXX XXXX | XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1500.00} * * Issue : Late payments reported are incorrect. I made payments consistently. 
Law : Under FCRA 1681s-2 ( a ), furnishers must report accurate data.

Story : This wrongful late mark blocked me from refinancing my auto loan. I lost a lower interest offer due to their inaccurate reporting. Please delete or correct. 
XXXX | XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | XXXX : {$0.00} | Status : Charge-Off * * Issue : This account is charged-off with {$0.00} balance, which is contradictory.

Law : FCRA 1681i mandates removal of unverifiable or contradictory data.

Story : The contradictory reporting damaged my credit profile and made lenders question my reliability. I demand removal of this negative status or correction. 
XXXX | XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off * * Issue : Charged-off account with no clear validation or final status documentation.

Law : Under FCRA and FDCPA, any charged-off debt must be verifiable and legally collectable.

Story : I never received any validation notice, yet this charge-off appeared. It lowered my score, and now Im considered high risk by lenders. This is unjustified. 
XXXX XXXX  XXXX | XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$500.00} | Status : Charge-Off * * Issue : This account status is disputed and may involve clerical error or unauthorized usage.

Law : FCRA 1681s-2 mandates data furnishers to correct inaccurate data when disputed.

Story : I attempted to settle this account, but it remained marked charge-off. I was denied a small business loan because of this unresolved reporting. 
XXXX XXXX XXXXXXXX | XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$300.00} | Status : Collection * * Issue : This collection account is unverified and never communicated to me. 
Law : FDCPA 809 requires debt collectors to validate debts before reporting.

Story : I never received a collection letter or phone call. This account appeared overnight and ruined my mortgage preapproval process. Please validate or delete. 
Hard Inquiries ( Unauthorized ) : XXXX XXXX | XX/XX/XXXX Issue : I did not authorize this credit pull. 
Law : Under FCRA 604 ( a ) ( 2 ), a hard inquiry requires my explicit consent.

Story : I was shopping for a vehicle and gave no authorization to pull my credit. This inquiry was done without permission and has dropped my score. 
XXXX XXXX | XX/XX/XXXX Issue : Unauthorized credit pull made without application. 
Law : FCRA mandates permissible purpose and written consent.

Story : This dealership shared my info without my approval. I am not responsible for their misuse, and I demand this inquiry be removed.

ACTION REQUESTED : Remove all inaccurate addresses listed above.

Delete or correct all disputed account data that is unverifiable or erroneous.

Remove all unauthorized hard inquiries from my credit report.

Conduct a full investigation into the reporting practices of the listed furnishers and inquiry initiators.

Ensure that the credit reporting agencies update my report and notify all data furnishers of the corrections. 
These inaccuracies have had a significant negative effect on my creditworthiness, emotional well-being, and access to necessary financial products. I have made prior attempts to resolve this with the credit bureaus, but the issues remain unresolved. 
I respectfully request the CFPB to investigate this matter and take appropriate regulatory or legal action against the responsible entities.

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