Consumer complaint received 2025-07-28 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:
Dear CFPB Officer, I am filing this formal complaint against the credit bureaus and several data furnishers for reporting inaccurate personal information, unauthorized or incorrect account data, and unverified inquiries on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite multiple efforts to dispute the errors directly with the credit bureaus and furnishers, these issues remain unresolved and continue to negatively impact my creditworthiness and peace of mind.

XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This is not my current or former residence and I have no affiliation with this location. 
Law : FCRA 607 ( b ) Requires consumer reporting agencies to ensure maximum possible accuracy.

Story : I have never lived at this address and have no connection to it. Its inclusion on my report is likely the result of a mixed file or identity confusion. Because of this, I have faced denials for credit, background checks, and increased interest rates. It has also raised suspicion with landlords who now question my identity and integrity. I demand this address be removed from my file immediately as it is causing me both financial and emotional harm. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This is not and has never been my place of residence. 
Law : FCRA 611 Gives me the right to dispute inaccurate information and have it verified or removed.

Story : The presence of this incorrect address has caused confusion during background checks and employment screenings. It has led to delays and additional verification requests that I should not have been subjected to. Ive submitted utility bills, lease agreements, and government-issued ID proving my correct address, yet this one still appears. It must be deleted.

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Issue : Late payment reported during financial hardship. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting inaccurate information.

Story : During the period this late payment was reported, I was experiencing extreme financial difficulty after losing my job. I contacted the creditor and asked for hardship support, but I received no response. Despite trying to work out a payment plan, I was marked late. This late mark does not reflect my effort or intent. The impact on my credit score has been devastating. I respectfully request that the late payment be removed.

XXXX XXXX XXXX  * XXXX XXXXXXXX XXXX XXXX Issue : One-time late payment due to COVID-related income disruption. 
Law : FCRA 602 ( a ) and Equal Credit Opportunity Act.

Story : During the COVID-19 pandemic, I had temporary financial hardship due to reduced hours at work. I missed a payment unintentionally but caught up as soon as possible. I also notified the creditor. This mark is not reflective of my usual payment history. I ask for leniency and request the late status be removed as a goodwill gesture due to unprecedented global circumstances.

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Issue : Late payment inaccurately reported despite timely payment. 
Law : FCRA 609 ( a ) ( 1 ) Entitles consumers to documentation verifying reported items.

Story : I made this payment on time, but the account still shows late. I contacted the company requesting proof of delinquency, and they failed to provide documentation. Since no evidence of late payment exists, this mark is unverifiable and must be removed. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Issue : Duplicate entry of same debt as XXXX. 
Law : FCRA 607 ( b ).

Story : This is a duplicate listing of an already-reported account. Having it twice gives the false impression that I have more debt than I actually do. This is misleading to lenders and harms my score unfairly. It must be removed.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate reporting of the same debt again. 
Law : FCRA 607 ( b ) and 611.

Story : Like the above, this account is repeated and misrepresented. I believe this was a technical or system error, but it still negatively affects me. I request it be removed for accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Never received proper validation. 
Law : FDCPA 809 ( b ).

Story : This agency has ignored my requests for original account information. They reported this debt to the credit bureaus without verifying it with me first. I believe this debt may not even belong to me. Please delete it from my file unless full validation is received.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off occurred during personal medical emergency. 
Law : FCRA 602 ( a ).

Story : I had a medical emergency and was XXXX  during this time. I reached out to the lender, but they did not offer any support and charged off the account. This reflects a lack of compassion and fails to reflect the true story. I ask for this to be reconsidered and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Settled account reported inaccurately as charge-off. 
Law : FCRA 607 ( b ).

Story : I paid this account through a settlement agreement. It should not be listed as charged-off if it was settled. Continued reporting as charge-off is inaccurate and misleading. I ask for correction or deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Closed account still showing charge-off status. 
Law : FCRA 623 ( a ) ( 1 ) ( A ).

Story : This account was paid and closed years ago. Yet it still shows as a charge-off, which is both outdated and incorrect. This hurts my credit and misrepresents my financial responsibility. I request immediate correction or deletion.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Voluntary vehicle surrender reported as charge-off with inflated balance. 
Law : FDCPA 809 ( b ).

Story : I surrendered the vehicle voluntarily, but was never given a final balance statement. This inflated debt amount has never been explained or validated. It must be validated or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off ( Duplicate ) XXXX XXXX Issue : Same account listed as both charge-off and collection. 
Law : FCRA 607 ( b ).

Story : This is clearly a duplicate account already listed as a collection. Reporting it as a charge-off again is deceptive and unfair. It must be removed for accurate reporting.

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Previous disputes ignored ; entry remains unverifiable. 
Law : FCRA 611 ( a ) ( 5 ) ( B ).

Story : Ive disputed this account before and received no response. They failed to provide documentation or respond within the required time. This item must now be deleted under the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Fraudulent account due to identity theft. 
Law : FCRA 605B Identity Theft Protection.

Story : I filed a police report and FTC Identity Theft Report proving this account was opened fraudulently in my name. I never authorized this account. Under FCRA 605B, this item must be blocked and removed immediately.

Relief Requested 1. Immediate removal of all wrong addresses listed above.

2. Deletion of all inaccurate accounts not verified with original signed documentation.

3. Removal of all unauthorized inquiries made without my consent.

4. A full investigation into potential identity confusion or mixed file issues under your enforcement.

5. A formal response with results of your investigation and appropriate action. 
Thank you for your time and attention to this serious matter. I request your urgent assistance in compelling these agencies and furnishers to follow the law, correct the record, and prevent further harm to me.

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