Consumer complaint received 2025-07-28 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 Consumer Financial Protection Bureau, I am filing this complaint to request your urgent investigation and enforcement assistance regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal protections. I have been severely affected by inaccurate, outdated, and unverified information reported to the credit bureaus ( XXXX, Experian, and XXXX  ) which has caused emotional stress, credit denials, and personal harm.

ADDRESSES ( Wrong/Not Mine ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is not mine. I have never lived here or received mail here.

Law : FCRA Section 609 ( a ) and Section 602 ( A ) require credit reporting agencies to report only accurate and verifiable information.

Story : This address was added to my credit profile without my consent or connection. Because of this error, I have experienced denials for credit and housing as it suggests fraudulent activity or identity confusion. This has deeply affected my stability and peace of mind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Incorrect and unfamiliar address falsely linked to my identity.

Law : FCRA 1681e ( b ) mandates reasonable procedures for accuracy.

Story : I have never lived at this location, and I believe this address may be a result of a file merger or identity confusion. The presence of this address on my report has caused banks to question my credibility and resulted in unnecessary manual reviews.

ACCOUNTS ( Late Payments, Charge-offs, Collections ) XXXX XXXX  Opened : XX/XX/XXXX Balance : {$310.00} Late Payment Issue : Inaccurate late payment ; no notice or due process.

Law : FCRA 611 allows the consumer to challenge unverifiable data.

Story : I attempted to make payments on time, but due to a website login issue I was locked out of my account. I contacted customer service and was told there would be no negative reporting, yet this shows as late. This inconsistency has damaged my score and resulted in a loan rejection. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$19000.00} Late Payment * * Issue : Marked late without valid documentation.

Law : FCRA 1681i and FDCPA 809 ( a ) support the consumers right to dispute and validation.

Story : This account was wrongly reported late during a time when I was hospitalized and had requested forbearance. They ignored my request and reported me late, ruining my score. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Account closed but still marked with derogatory status.

Law : FCRA 607 ( b ) requires credit data to be up-to-date and complete.

Story : After this account was paid and closed, it continued to show as derogatory. This outdated negative mark misrepresents my creditworthiness to lenders. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Inactive account still showing negative marks.

Law : FCRA 602 ensures fair credit practices.

Story : This vehicle was returned in good condition and the account settled, yet a late mark remains. Ive lost job offers that required a clean financial history.

CHARGEOFFS XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charge-off listed after account was settled.

Law : FCRA 623 and FDCPA 807 prohibit false or misleading reporting.

Story : I paid this account through a settlement agreement and was told it would be updated to " paid in full. '' They broke their word and charged it off, affecting my integrity and score unfairly. 
XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$110.00} * * Issue : Charge-off with no notification or validation.

Law : FDCPA 809 ( a ) requires validation of debts.

Story : I was never made aware this account was charged off. I learned through my credit report. It reflects poorly and has caused mental stress and embarrassment when explaining it to potential lenders. 
XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1400.00} * * Issue : COVID-19 hardship ignored, account charged off.

Law : CARES Act, FCRA 611 supports fair treatment during hardship. 
Story : I contacted XXXX for pandemic relief. I was told to skip payments temporarily, then later they marked me as charged off. This betrayal is unacceptable and cost me a mortgage preapproval. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : No balance, yet still charged off.

Law : FCRA 607 ( b ) outdated negative data is prohibited.

Story : Account was closed years ago and should not reflect as charge-off. It looks like I defaulted, when in reality, I paid it in full. This has caused multiple credit denials. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$640.00} * * Issue : No written validation or notice before reporting charge-off.

Law : FDCPA 809 right to be informed and validate debts.

Story : This company never sent me a statement, yet suddenly marked me as charged off. I had no time to dispute or resolve, which is a violation of my rights and an unfair burden. 
XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$580.00} * * Issue : Denied hardship relief, charged off anyway.

Law : FCRA 623 requires accurate and fair data.

Story : After facing a family medical emergency, I asked for help and was told none was available. Now this charge-off appears as if Im irresponsible, when in truth, I begged for help and was ignored. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charged off with XXXX balance. 
Law : FCRA 605 prohibits misleading derogatory entries.

Story : This is false and confusing. There is no outstanding balance, yet it appears as if I abandoned the debt. This false representation is damaging. 
COLLECTIONS XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$850.00} * * Issue : Account paid, still showing as collection.

Law : FDCPA 807, FCRA 607 ( b ) Story : I resolved this debt months ago. Its cruel and unlawful to continue showing this as unpaid. My credit report should reflect truth not outdated and punishing entries. 
XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$100.00} * * Issue : Medical bill reported without notice.

Law : FCRA 2022 Medical Debt Policy, FDCPA 809 Story : I never received a single bill or notice. If I had known, I wouldve paid it immediately. Instead, they attacked my credit, hurting my ability to secure an apartment. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$830.00} * * Issue : Unknown and unverified debt.

Law : FCRA 609, FDCPA 809 Story : I dont recognize this debt and have never been contacted. No creditor name, no invoice, just damage to my report and name. Remove it immediately. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$500.00} * * Issue : No written validation from collection agency.

Law : FDCPA 809 Story : I requested debt verification and never received it. Under law, this must be deleted if not validated. It is unjust to have this mark held against me without proof.

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries were never authorized by me.

Law : FCRA 604 ( a ) ( 3 ) limits when inquiries can be made.

Story : I never gave written permission for these hard pulls. These are harming my credit profile and giving the impression that Im seeking multiple debts, which is false. These actions violate my privacy and have dropped my score.

FINAL REQUEST I respectfully request the Consumer Financial Protection Bureau to : 1. Investigate the inaccurate addresses and require their removal from all credit reporting agencies.

2. Re-investigate the accounts listed above, require original creditors or collectors to provide full documentation, or delete the unverifiable or misreported entries.

3. Remove the unauthorized hard inquiries listed above and instruct the agencies to only report inquiries initiated and authorized by me.

4. Require all CRAs and data furnishers to follow the requirements of FCRA 602, 607, 609, 611, and FDCPA 809.

I have suffered severe emotional and financial harm due to these violations. I have lost housing opportunities, been denied basic credit needs, and now face higher interest rates on existing credit due to false data.

Please take action to hold these institutions accountable and ensure fair treatment.

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