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:
XXXXI am submitting this complaint to the Consumer Financial Protection Bureau (CFPB) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLaw Issue: FCRA 604 & 609 require only accurate identifying information to be reported\nStory: This address does not belong to me, I have never lived at or been associated with this residence, its presence on my report is misleading, it creates the impression of mixed or fraudulent information, and it may be connected to accounts that are not mine, therefore it must be deleted immediately to ensure my credit file is accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLaw Issue: FCRA 604 & 609 require accurate personal information to be reported\nStory: This address is not mine and has no connection with me, its presence on my file creates confusion and raises the risk of identity theft or mixed credit file reporting, this inaccuracy could cause future denials of credit or misidentification, for these reasons I request deletion without delayXXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX Original balance XXXX Late Payment\nLaw Issue: FCRA 607(b) accuracy requirement and FCRA 611 reinvestigation rights\nStory: This account is inaccurately reporting late payments which do not reflect my true payment history, I have maintained timely payments but the reporting makes it appear that I have been delinquent, this harms my credibility with lenders and employers, no documentation has been provided to prove the accuracy of these late entries, I demand reinvestigation and correction or complete deletion if unverifiableXXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX Balance XXXX Chargeoff\nLaw Issue: FCRA 607(b) accuracy and FDCPA misreporting of charge-off status\nStory: This account is reporting as a chargeoff, however I was never properly notified of any chargeoff, I dispute the balance and the status, XXXX XXXX has failed to provide validation of the alleged debt, reporting this way without verification violates my rights and creates long-term credit damage, I request removal if not 100% verifiable with signed documentationXXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX  Chargeoff\nLaw Issue: FCRA 611 right to dispute inaccurate account and FDCPA inaccurate balance reporting\nStory: The balance and chargeoff status are being misrepresented, I never received proof of the debt and I dispute the accuracy of this reporting, the alleged chargeoff makes it appear that I abandoned a financial obligation when in fact the creditor has not provided validation, this damages my credit score and reputation unfairly, please reinvestigate and delete if unverifiableXXXX XXXX XXXX Date opened XXXX XXXX XXXX  Balance XXXX Chargeoff\nLaw Issue: FCRA 607(b) requires maximum possible accuracy\nStory: This account is old, outdated, and unverifiable, XXXX XXXX has failed to produce validation, it is inaccurately listed as a chargeoff, which is misleading and unfair, continuing to report such an account after years without verification creates unnecessary harm to my creditworthiness, I request immediate deletionXXXX XXXX  Date opened XXXX XXXX XXXX Balance XXXX  Chargeoff\nLaw Issue: FCRA 611 investigation requirement and FDCPA Section 809 validation requirement\nStory: XXXX  is reporting this account as a chargeoff, however I never received validation of the balance or status, without proper proof this reporting is inaccurate and misleading, it makes it appear that I defaulted on the account which is not true, this creates unnecessary financial harm, therefore I demand deletion if no verifiable documentation existsXXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX Chargeoff\nLaw Issue: FCRA 607(b) inaccurate reporting, FDCPA false representation of status\nStory: This account is reporting as a chargeoff but the information provided is inconsistent, the balance and chargeoff status do not match my records, no proper validation has been produced, such inaccuracies are damaging to my financial stability, I request a reinvestigation and deletion if not fully verified\XXXX XXXX XXXX Date opened XXXX XXXX XXXX Balance XXXX  Chargeoff\nLaw Issue: FCRA 611 requires a proper reinvestigation of disputed items\nStory: This account is reported inaccurately, I never received verification of the balance, chargeoff status, or supporting documentation, this creates serious harm to my financial profile and may impact my ability to secure housing or employment, without proof this item should not be allowed to remain, I request immediate deletion\n\nInquiryXXXX XXXX XXXX XXXX XXXXLaw Issue: FCRA 604 permissible purpose requirement\nStory: I never authorized this inquiry, I did not apply for credit with this company, the inquiry is unauthorized and lowers my credit score, it must be removed immediatelyXXXX XXXX XXXX XXXX XXXXLaw Issue: FCRA 604 requires consumer authorization for inquiries\nStory: I never gave permission for this inquiry, no permissible purpose exists, such unauthorized inquiries give the false appearance that I am constantly applying for credit, which harms my score and reputation, I demand deletionXXXX XXXX XXXX XXXX XXXXLaw Issue: FCRA 604 violation for unauthorized access\nStory: This inquiry is unauthorized and I never had any business with this company, allowing it to remain on my file is a violation of my privacy rights under FCRA, please delete immediatelyXXXX XXXX XXXX XXXX XXXXLaw Issue: FCRA 604 requires proper authorization for credit pulls\nStory: I never granted consent for this inquiry, it was done without my knowledge or approval, it creates unnecessary harm by lowering my credit score and making it seem that I applied for accounts I did not, I request deletion\n\nI am asking the Consumer Financial Protection Bureau (CFPB) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.'

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