Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against several creditors and the major consumer reporting agencies ( Experian, TransUnion, Equifax ) for reporting inaccurate, incomplete, and unverified information on my credit profile. These actions constitute clear violations of the Fair Credit Reporting Act ( FCRA ), specifically under : Section 602 Congressional findings on the need for fair and accurate credit reporting Section 609 ( a ) Right to request and receive all information in a consumer 's file Section 611 Procedure in case of disputed accuracy Section 623 Responsibilities of furnishers of information to consumer reporting agencies Despite attempts to resolve these issues directly with the data furnishers and bureaus, the information remains improperly reported, harming my credit standing unjustly. I request that the CFPB initiate a formal investigation into the following issues : Incorrect Addresses Reported ( Mixed File Violation ) The following addresses are falsely associated with my credit file and must be removed immediately as they are not affiliated with me : XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violated : 602 ( A ), 609 ( c ) ( 2 ), 611 ( a ) ( 1 ) ( A ) Derogatory Accounts with Inaccurate or Unverified Information XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$2300.00} Issue : Charge-off status reported without validation. No verification documentation provided upon request. 
FCRA Violated : 609 ( a ) ( 1 ) ( A ), 611 ( a ), 623 ( b ) ( 1 ) 2. XXXX Account XXXX : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX | High Balance : {$1700.00} Issue : Late payment reported with no notice or supporting data. Account never properly validated. 
FCRA Violated : 611 ( a ), 623 ( a ) ( 1 ) ( A ) 3. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$590.00} Issue : Inaccurate late payment history reported despite timely payments. 
FCRA Violated : 623 ( a ) ( 1 ) ( A ), 611 ( a ) 4. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1200.00} Issue : Late payment notation is inaccurate and not supported by statements. 
FCRA Violated : 611 ( a ), 623 ( a ) ( 1 ) ( A ) 5. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$18000.00} Issue : Improper late payment reporting that contradicts internal payment records. 
FCRA Violated : 609 ( a ), 623 ( b ) ( 1 ) 6. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Opened : XX/XX/XXXX | High Balance : {$3400.00} Issue : Disputed late payments remain unverified ; reporting persisted post-dispute. 
FCRA Violated : 611 ( a ), 623 ( a ) ( 2 ) 711. XXXX ( Multiple entries ) Account Numbers : All starting with XXXX XXXX XXXX XXXX XXXX  Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX High Balances : Ranging from {$250.00} to {$3700.00} Issue : Each account reflects inaccurate payment history and failed to provide verification documents when requested. 
FCRA Violated : 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) 12. XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX | High Balance : {$52000.00} Issue : Late payment reported inaccurately ; recent account with minimal activity yet derogatory remarks. 
FCRA Violated : 609 ( a ), 611, 623 Unauthorized/Questionable Credit Inquiries The following hard inquiries were made without my permission and/or are the result of account confusion. These affect my score and are not authorized : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FCRA Violated : 604 ( a ) ( 3 ), 607 ( a ) Relief Requested 1. Immediate removal of all inaccurate and unverifiable derogatory accounts listed above. 
2. Permanent removal of unauthorized addresses from my credit profile.

3. Deletion of the unauthorized hard inquiries.

4. Enforcement action against furnishers failing to comply with FCRA validation and reporting procedures. 
This ongoing harm to my creditworthiness is unlawful, and I request that the CFPB compel the responsible parties to correct or delete these records and provide documentation verifying each item.

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