Consumer complaint received 2025-09-16 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 submitting this complaint because my credit report contains multiple inaccurate, unverifiable, and unauthorized items in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX, FL XXXX Wrong address reported. This location has no connection to my residence history. This misreporting is misleading and harmful. Such misrepresentation could cause creditors to believe I have unstable residency or connections to areas I never lived in, creating false red flags on my report. I never received any mail, bills, or accounts at this address, which proves the inaccuracy. 
XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} This account is listed as a collection. I dispute this in its entirety. XXXX is a known debt buyer and frequently reports unverifiable or inaccurate accounts. No original contract, validation, or chain of title has ever been provided. Under FDCPA 809 ( b ), failure to validate means this collection can not be reported. Continued reporting without proper validation is a willful violation of federal law. In my case, I never received any dunning letter or validation notice within the required 30-day period. The account appears fabricated or re-aged to extend reporting time, which is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$67.00} This account is listed as a charge-off for only {$67.00}, which is suspicious and clearly inaccurate. No proper documentation has been shown to prove the validity of this debt. Reporting such a small unverified balance as a charge-off is misleading, disproportionate, and violates the accuracy requirement under FCRA 1681e ( b ). In reality, a {$67.00} error could simply be a clerical mistake, waived fee, or misapplied payment, but being shown as a charge-off wrongfully portrays me as financially irresponsible. Such harmful reporting for a negligible amount is reckless and unfair. 
XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. I never applied with XXXX XXXX, nor do I have any relationship with them. Each unauthorized inquiry damages my report by lowering my score and creating the appearance of unnecessary risk. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. I did not give any consent for XXXX to review my report. Such entries misrepresent my credit-seeking behavior, which can lead lenders to unfairly judge me as high-risk. 
XXXX XXXX XX/XX/XXXX Inquiry This is a duplicate unauthorized inquiry, showing negligence and misconduct. Multiple inquiries for the same unauthorized pull multiply the harm by lowering my score twice for one action. 
XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry. I have no relationship with this entity. This entry is misleading, unauthorized, and harmful to my overall creditworthiness. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. I never authorized XXXX XXXX to pull my credit report. Its continued reporting creates a false record of credit-seeking activity, which damages my financial reputation. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized inquiry. I never sought credit from XXXX XXXX. This entry unfairly harms my credit profile and must be deleted. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry is unauthorized. I did not apply for a XXXX product at this time. Such unauthorized entries are damaging, and XXXX has no permissible purpose to repeatedly pull my report. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Another unauthorized inquiry from XXXX. I dispute this entirely. This repeated behavior shows negligence in handling consumer credit data. 
XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry. I never authorized XXXX ( XXXX ) to pull my credit report on this date. This is misleading and unauthorized. 
Resolution Requested XXXX. Immediate deletion of the XXXX XXXX XXXX collection account, as it is unverifiable and was never validated as required by law. 
XXXX. Removal of all unauthorized and duplicate hard inquiries listed above that I never consented to and that have no permissible purpose. 
XXXX. Written confirmation that these items have been permanently removed from all of my credit reports. 
4. Assurance that the furnishers and credit reporting agencies will conduct proper reinvestigations in compliance with FCRA 611 and cease unlawful reporting practices.

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