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: MD

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau I am submitting this complaint due to multiple serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal laws by credit reporting agencies and furnishers who have reported inaccurate, outdated, and unverifiable information on my credit report these errors have severely harmed my financial stability and creditworthiness despite my efforts to resolve them the following is a detailed list of all disputed items with explanation and relevant law references XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Issue : This address is completely inaccurate and has never been associated with me in any capacity. 
Law : FCRA Section 602 ( a ), 607 ( b ), and 609 ( c ) ( 2 ) Credit reports must contain only verifiable and accurate data. 
Story : I have never resided at or been linked to this address. I suspect this may be a result of identity confusion or misfiled data from a third party. The inclusion of this address on my credit report is causing confusion and may cause lenders to deny my applications based on false information. I have submitted utility bills, lease agreements, and government-issued identification proving my actual address. I respectfully demand immediate removal XXXX XXXX XXXX XXXX, MD XXXX Issue : Incorrect and unauthorized address on file Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must provide complete and accurate information Story : I do not recognize this address. I never lived there, never applied for credit using this address, and have no family or work history related to it. I feel this might be the result of an error during credit application processing or incorrect linkage with someone elses file. This false information places my identity at risk and negatively affects my creditworthiness. Please remove it immediately XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Late payment being reported inaccurately Law : FCRA Section 623 ( a ) ( 1 ) ( A ), 1681s-2 Furnishers must not report inaccurate or incomplete data Story : I enrolled in a XXXX XXXX  account and ensured regular payments. I was informed my payments were on time. However, a late mark appeared which I was not notified of. This severely impacted my credit score during a period where I was actively seeking housing. I contacted the creditor but was met with vague responses. I request this be verified with full payment history and if unverified, it must be removed from my file XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX Issue : Charge-off reported but account was disputed and partially paid Law : FCRA Section 623 ( b ), FDCPA 807 ( 8 ) Debt collectors and furnishers can not misreport disputed debts Story : I had a dispute with this account due to unexpected fees and aggressive terms. I attempted to settle the account, and partial payment was made. However, they went ahead and charged off the full balance. This was done during a time of financial hardship when I had contacted them seeking accommodation. This reporting is unfair, misleading, and damaging to my credit score. I request this be removed or corrected with proof of resolution XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} * * Issue : Charge-off remains even though balance is zero Law : FCRA 1681i ( a ) ( 5 ), 623 ( a ) ( 2 ) Inaccurate and outdated information must be corrected or removed Story : I voluntarily surrendered the vehicle during a difficult financial period and cleared the balance through a settlement. Yet, the account continues to report as charged-off, which misrepresents the current status. This is misleading and severely affects my creditworthiness. I demand correction or removal of this derogatory entry immediately XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} * * Issue : Charge-off after voluntary surrender, no updated status Law : FCRA 623 ( a ) ( 1 ), 1681s-2 ( b ) Information must be complete and accurate Story : This account was settled after a voluntary surrender. I was transparent with the lender and returned the vehicle during COVID-related hardship. The lender failed to update the account accurately and is still showing the original charge-off. This gives the false impression that the debt is unresolved. I request the charge-off be removed or at least marked as " Settled in Full '' RAXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$800.00} * * Issue : Unknown collection account reported without notice Law : FDCPA 809, FCRA 611 ( a ) Debt collectors must validate debts before reporting Story : I have never heard from this agency or account. This appears on my report with no prior communication or attempt to collect. I believe this may be a fraudulent or duplicate collection. Please provide full validation with contract, billing statements, and chain of title. If validation can not be completed, it must be deleted XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charge-off still showing after XXXX balance Law : FCRA 1681c ( a ) ( 5 ), 623 ( a ) ( 2 ) ( A ) Data must be updated when it changes Story : This account has had a XXXX balance for years. Continuing to list it as a charge-off is deceptive and unfair. It reflects negatively on my credit profile even though the debt has been settled. I request immediate correction or removal of this derogatory information XXXX XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue : Unauthorized inquiry Law : FCRA 604 ( a ) ( 3 ) Inquiries require permissible purpose and consumer consent Story : I did not authorize this inquiry or submit any application to XXXX XXXX XXXX. It appeared without my knowledge and is hurting my credit score. This inquiry must be removed, and I request investigation into how it was made without my permission XXXX Inquiry on XX/XX/XXXX Issue : Inquiry occurred without permission Law : FCRA 604 ( b ), 616 Unauthorized access violates consumer protections Story : I did not authorize this credit pull and have no dealings with XXXX or XXXX. This inquiry damaged my credit score and was performed without my knowledge. I request its deletion and full investigation XXXX XXXX XXXX  Inquiry on XX/XX/XXXX Issue : Duplicate inquiry Law : FCRA 604, 607 Duplicate inquiries without application constitute inaccurate reporting Story : This appears to be a duplicate of the above unauthorized XXXX  XXXX inquiry. It unfairly compounds damage to my credit score. I did not initiate this, and it must be removed immediately I have suffered significant financial distress due to these errors including being denied housing and loans and experiencing emotional and psychological pressure from poor credit reporting I am requesting that the CFPB investigate each of these items and direct the credit bureaus and furnishers to correct or delete all inaccurate unverified or unauthorized data listed above I am also requesting that all supporting documents from each furnisher and bureau involved in these accounts inquiries and addresses be reviewed and provided to me as per my rights under the FCRA please ensure a full response within the 30-day investigation window as legally required thank you for your assistance in correcting these ongoing injustices

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