Consumer complaint received 2025-07-23 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:
To Whom It May Concern, I am filing this complaint regarding the inaccurate, misleading, and harmful information being reported by the credit bureaus and furnishers on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer protection laws. These inaccuracies involve false addresses, misreported accounts, duplicate entries, unverifiable debts, unauthorized inquiries, and outdated derogatory data that are significantly harming my credit profile, financial opportunities, and overall well-being. Despite attempts to correct these errors, they remain unresolved, and I am now requesting immediate CFPB intervention and investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law Violated : FCRA 1681c ( a ) ( 4 ) obsolete or incorrect address Explanation : I have never resided at this address nor have I authorized its use on any financial applications. Its appearance on my credit report is indicative of identity confusion or reporting error, and it is harming my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law Violated : FCRA 1681c ( a ) ( 4 ) outdated or inaccurate data Explanation : This is a completely incorrect address, and I am requesting its removal from all consumer reports under my name. Retaining this data reflects negligent reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : Late Payment Law Violated : FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate info Explanation : I made payments in good faith, but the account was reported late without justification. The late mark does not reflect the actual activity on this account and is affecting my score unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$570.00} Issue : Late Payment Law Violated : FCRA 1681e ( b ), FDCPA 807 ( 8 ) unfair practices Explanation : I dispute the accuracy of this late payment. I was under an approved payment arrangement, yet the creditor still reported it as late, which misrepresents my payment conduct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment Law Violated : FCRA 1681s-2, 15 U.S.C 1692e ( 2 ) Explanation : This account is fully paid off, and the reporting of a late payment is both inaccurate and misleading. It misrepresents the status of a paid account and impacts my financial reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Issue : Charge-Off Law Violated : FCRA 1681s-2 ( b ), FDCPA 807 Explanation : This account was paid in settlement ; however, it is still being reported as charged-off. The creditor has failed to update the current and accurate status, and this is deceptive reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Issue : Collection Law Violated : FCRA 1681b, FDCPA 809 ( b ) Explanation : I have never received a notice validating this debt. The collection was added without prior validation or notice, which violates debt validation requirements and fair reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2400.00} Issue : Duplicate Collection Law Violated : FCRA 1681c-2 duplication of derogatory items Explanation : This appears to be a duplicate entry of the above XXXX  debt , which is a violation. Listing the same debt multiple times inflates my derogatory history unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Issue : Duplicate Collection Law Violated : FCRA 1681c-2 Explanation : This is a second entry of the same LVNV account listed above. It must be removed immediately to reflect a true and fair reporting history. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law Violated : FCRA 604 ( a ) ( 3 ) Explanation : I never applied for any credit with this institution around this time. This inquiry is fraudulent or in error and must be removed. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law Violated : FCRA 1681b Explanation : This was not initiated by me and could be tied to unauthorized activity or identity confusion. 
XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law Violated : FCRA 604 Explanation : I did not apply for credit from this institution. This inquiry was conducted without permissible purpose. 
XXXX XXXX XX/XX/XXXX Issue : Hard Inquiry without Authorization Law Violated : FCRA 604 Explanation : This inquiry was not initiated by me. It may indicate fraud or error and should be removed. 
XXXX XXXX XX/XX/XXXX Issue : Hard Inquiry Law Violated : FCRA 604 Explanation : I never applied for credit with this lender. This was done without consent and must be addressed. 
XXXX XX/XX/XXXX Issue : Hard Inquiry Law Violated : F

CRA 604 Explanation : I did not initiate this application and never gave permission for my credit to be pulled by this company. This is a clear pattern of willful negligence, inaccurate data handling, duplication of derogatory entries, unverifiable debts, unauthorized inquiries, and illegal retention of obsolete information. I respectfully request the CFPB to investigate all named furnishers and credit reporting agencies for non-compliance and compel immediate deletion or correction of all inaccurate items listed in this complaint. These errors are significantly harming my creditworthiness, mental peace, and financial health.

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