Consumer complaint received 2025-08-19 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:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Law : FCRA 607 ( b ) requires maximum possible accuracy Issue : This address is not accurate or connected to me Story : I have never lived at this address and I have no leases, bills, mail, or utility accounts tied to it. Including wrong addresses on my file makes it look like I am linked to locations I have nothing to do with, which puts me at risk for fraud, identity theft, and credit file mixing. This false information damages my credibility and must be deleted immediately Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Law : FCRA 607 ( b ) requires maximum possible accuracy Issue : This address is also inaccurate and unrelated to me Story : This location has no connection to my history. Reporting false addresses paints an incorrect picture of me as a consumer, suggesting instability or activity that never happened. I am demanding that this be removed to restore the accuracy and integrity of my credit file Account XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00} Late Payment Law : FCRA 609 ( a ) right to accurate information, FCRA 611 ( a ) reinvestigation, FCRA 607 ( b ) accuracy requirement Issue : Reported late payments are inaccurate and unverified Story : This account is being reported with alleged late payments that do not match my records. I have consistently made payments in good faith, and if there were any issues, they were due to posting errors or internal processing delays beyond my control. Without original contracts, full payment records, and proof of actual delinquency, this accounts negative history can not be lawfully reported. I am requesting that the late payments be removed immediately Account XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00} Chargeoff Law : FCRA 611 ( a ) reinvestigation, FCRA 623 ( a ) ( 1 ) duty of furnishers to report accurately Issue : Reported charge-off is not supported with full documentation Story : A charge-off is a serious derogatory mark that greatly harms my credit, and it can not be reported without strict verification. The creditor has not provided validation including the original signed agreement, detailed accounting of how the balance was calculated, or proof that the debt was charged off correctly under federal law. Reporting a charge-off without this documentation is misleading and unlawful. Unless XXXX can provide verifiable proof, this entry must be deleted Account XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1100.00} Collection Law : FCRA 609 ( a ), FCRA 611 ( a ), FDCPA 809 ( b ) validation requirement Issue : Reported collection is unvalidated and unverifiable Story : This collection account appeared on my credit file without my knowledge, and I was never provided validation of the debt as required by law. XXXX XXXX has not shown proof of assignment or ownership of the alleged debt, nor have they provided the original agreement or accurate balance breakdown. Reporting a debt without validation misrepresents my credit history and unfairly damages my score. If they can not prove their right to report, this collection must be removed immediately Inquiry XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( XXXX ) permissible purpose requirement Issue : Unauthorized and harmful inquiry Story : I did not give XXXX permission to access my credit report on this date. An unauthorized inquiry lowers my credit score and creates the false impression that I am applying for multiple lines of credit when I am not. Allowing unauthorized inquiries to remain violates my rights and paints an inaccurate financial picture. This inquiry must be deleted immediately I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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