Consumer complaint received 2025-08-28 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 a formal complaint regarding multiple inaccurate and misleading entries on my credit report. These inaccuracies have caused significant financial harm, undue stress, and risk of identity theft. The reporting entities have violated the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. I request CFPB investigation and enforcement action to correct/remove the following items : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Address I have never lived at this address, yet it appears on my credit report. This incorrect reporting has caused multiple creditors to question my identity, delaying approvals for personal loans, auto financing, and rental applications. I have received repeated verification requests and phone calls for accounts that are not mine, wasting my time and causing undue stress. This constitutes negligent and inaccurate reporting under FCRA 1681e ( b ). The continued listing of this false address exposes me to identity theft and potential financial fraud, which has already disrupted my ability to access fair credit. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address I have no connection with this address. Its appearance on my report has led to inquiries and investigations into accounts that are not mine, creating confusion and unnecessary hurdles in securing new credit. Financial institutions have flagged my credit inaccurately, sometimes resulting in denial of services or higher interest rates. This false reporting is a direct violation of FCRA 1681i ( a ) and constitutes an unfair and deceptive practice under FDCPA 1692e. The presence of this wrong information has affected my financial reputation and caused measurable distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Chargeoff This account has been incorrectly reported as charged-off. I have never defaulted on this account, yet this false information has negatively affected my creditworthiness, resulting in rejection for mortgages, auto loans, and other lines of credit. Falsely reporting a charge-off constitutes a violation of FCRA and is considered a deceptive practice under FDCPA 1692e. The continued presence of this false information is causing measurable financial loss, stress, and damage to my personal and professional reputation. Immediate deletion is required. 
XXXX XXXX XXXX XXXX Date : XX/XX/XXXX | Inquiry I did not authorize this inquiry. Unauthorized hard inquiries violate FCRA 1681b ( f ) and represent impermissible access to my credit information. Each unauthorized inquiry reduces my credit score and increases scrutiny from lenders, making legitimate financial applications more difficult and stressful. I demand immediate deletion to prevent further financial harm and preserve my legal rights.

I request CFPB to investigate, enforce correction or deletion, and provide written confirmation of action taken. These inaccuracies continue to cause financial harm, stress, and potential identity theft. Failure to correct these issues will compel me to pursue additional legal action.

Company response to consumer: Closed with explanation