Consumer complaint received 2025-07-31 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:
Dear CFPB Officer, I am writing to formally lodge a complaint against the credit bureaus and several furnishers for the grossly inaccurate and damaging information being reported on my credit reports. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and have caused me severe financial and emotional distress. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ISSUE : Wrong address not connected to me in any way.

LAW : Under FCRA 1681c, inaccurate personal identifiers must not be reported.

STORY : I have applied for a mortgage and was denied due to these wrong addresses causing suspicion and high-risk categorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ISSUE : Not my residence. Never lived or associated here. 
LAW : Violates FCRAs reasonable procedures requirement under 1681e.

STORY : These false addresses not only ruin my credibility but have made me look like someone frequently moving or hiding something. 
XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$17000.00} * * ISSUE : This account is reporting late payments that are not accurate. I made timely payments or had hardship arrangements. 
LAW : FCRA XXXX prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 
STORY : Due to a medical emergency during the reporting period, I had communicated with the creditor. Despite hardship documentation, the late mark was added. 
XXXX XXXX XXXX  XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$520.00} * * ISSUE : This account falsely reports a late payment.

LAW : Violates FCRA 1681s-2 ( a ) and my rights to dispute incorrect credit information.

STORY : I used this account to build credit. Reporting a late payment that did not occur defeats the purpose and unjustly penalizes me. 
XXXX XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$9000.00} * * ISSUE : This is reporting as a collection. I have no knowledge or prior notice of this debt.

LAW : FDCPA 809 ( 15 U.S.C. 1692g ) requires proper validation of debts.

STORY : I never received any communication from this agency. No validation letter was sent. This sudden appearance on my report is unlawful. 
XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$490.00} * * ISSUE : Charged off incorrectly. The account should reflect resolved or closed in good standing.

LAW : Under FCRA 1681i, I demand reinvestigation and documentation.

STORY : I paid off this account, and it was settled. The current charge-off status is outdated and incorrect. 
XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Credit : {$370.00} ISSUE : Not mine. No knowledge or documentation.

LAW : FDCPA 809 ( b ) requires validation before reporting to CRAs.

STORY : Never received any contact. This sudden entry feels like identity confusion or reporting error. 
XXXX XXXX  XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$290.00} * * ISSUE : This debt is not mine and appears twice. 
LAW : Double reporting violates FCRA and creates inflated damage. 
STORY : Seeing the same debt twice worsens my credit unfairly. It affects housing, jobs, and peace of mind. 
XXXX  XXXX | Date Opened : XX/XX/XXXX | High Credit : {$200.00} * * ISSUE : Unfamiliar debt. Never received a bill or notice.

LAW : FDCPA 809 and FCRA 1681i require proper validation.

STORY : I feel targeted and harassed by unjust entries. This one adds to the confusion and stress. 
XXXX ( both XXXX * * & XXXX * * * * ) * * ISSUE : Charge offs from Lendmark are not accurate I had settled agreements.

LAW : FCRA 1681s-2 ( b ) furnishers must investigate disputes.

STORY : I worked with the lender to resolve this. They promised updates, but nothing changed. My report still suffers. 
XXXX XXXX * * * * ISSUE : Old account already resolved but still reports as charge-off.

LAW : Outdated, inaccurate reporting is unlawful under 1681c ( a ).

STORY : This makes it look like Im irresponsible years later. Its unfair. 
XXXX XXXX * * | Date Opened : XX/XX/XXXX | High Credit : {$24000.00} * * ISSUE : Account reported as charge-off despite current payments.

LAW : Furnishers must not report inaccurately. FCRA 623.

STORY : Im still making payments. This report damages my record with no basis.

Hard Inquiries These inquiries were not authorized by me, and I never gave consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ISSUE : All these inquiries appear without my knowledge or consent.

LAW : Under FCRA 604 ( c ), a consumers authorization is required for inquiries related to credit.

STORY : I never applied for credit with these businesses. These inquiries have lowered my score unfairly and made me look like a high-risk borrower.

ACTION REQUESTED FROM CFPB I respectfully request that CFPB take the following actions on my behalf : 1. Order the credit bureaus to permanently delete the false addresses listed above.

2. Require all furnishers to validate, correct, or remove the erroneous accounts, charge-offs, and collections.

3. Instruct the credit bureaus to delete all unauthorized hard inquiries.

4. Compel the furnishers and credit bureaus to provide a written confirmation of the deletions and investigation results.

5. Investigate whether these errors result from willful noncompliance or negligent credit file mixing.

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