Consumer complaint received 2025-09-13 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, I am filing this complaint because my credit report contains wrong addresses, unverifiable accounts, charge-offs, late payments, collections, and unauthorized inquiries that are harming me financially. The credit reporting agencies and furnishers have failed to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). 
Wrong Addresses XXXX XXXX XXXX XXXX, FL XXXX Wrong Address This address does not and never did belong to me. I have never lived in Florida and never conducted any financial activity connected to this location. Reporting this false address is a violation of FCRA 607 ( b ) which requires maximum possible accuracy. By associating me with an address I never used, the credit bureaus are exposing me to possible identity theft and creating confusion in my credit profile. This incorrect reporting has already led to suspicion from lenders who questioned me about fraudulent residency, causing stress, embarrassment, and denial of credit. I am demanding immediate deletion of this false address under FCRA 611 ( a ) reinvestigation procedures. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This Wisconsin address is also false and never belonged to me. I have never lived in Wisconsin, and I have no family or business ties to that state. Allowing this to appear on my credit file suggests someone elses information is being mixed with mine, which is called file-mixing, a direct violation of FCRA. This is extremely harmful because it suggests possible fraudulent activity, putting my identity at risk. I was even denied an apartment lease due to this false address being flagged in my background screening. Under FCRA 604 and 609 ( a ), I have the right to accurate identifiers. I demand immediate removal of this address to restore accuracy to my credit file. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} Date Opened : XX/XX/XXXX Late Payment * * This account is showing a late payment which I fully dispute. I never received proper notice of any delinquency, and I have consistently made payments when billed. Under FCRA 609 ( a ) ( 1 ) ( A ) I have the right to obtain complete records, including the original signed contract and proof of payment history. If the furnisher can not provide this, then reporting the account is a violation of FCRA 611 ( a ) ( failure to reinvestigate ) and FDCPA 807 ( 8 ) ( communicating false credit information ). Because of this wrongful reporting, I was denied a small personal loan, and my interest rates on existing accounts were increased, causing direct financial harm. I demand immediate correction or deletion. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account shows a {$0.00} balance yet is still reported as having late payments. This is contradictory and misleading, violating FCRA 607 ( b ) ( requirement for accuracy ). A creditor can not legally report me as late on an account where nothing is owed. This error paints me as irresponsible to lenders even though no balance existed. As a result, I was denied a credit card upgrade and had to explain myself repeatedly to creditors, creating humiliation and stress. Reporting false derogatory information on a closed or XXXX balance account is reckless and unlawful. I demand full deletion of this entry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Charge Off * * I dispute this charge-off completely. XXXX XXXXXXXX XXXX never provided me with proper notice of default or an opportunity to cure before allegedly charging off this account, which is required under FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ). I have requested validation but never received original signed contracts or full billing records. Reporting this without validation is illegal and defamatory. Because of this false charge-off, I was denied financing for another vehicle, which directly affected my ability to commute to work, causing financial and professional damage. This must be deleted or fully validated immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} Charge Off * * This charge-off is both unreasonable and unverified. A {$54.00} balance leading to a charge-off is clearly disproportionate and misleading. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate or misleading information. This balance appears to be made up of late fees or penalties, not actual unpaid credit. Reporting such a minor amount as a charge-off has severely damaged my credit standing and is a grossly unfair practice. This reporting has prevented me from qualifying for affordable insurance premiums and has unjustly lowered my credit score. I demand deletion. 
Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized. I never applied for credit with XXXX on this date. Unpermitted inquiries violate FCRA 604 ( a ) ( 3 ). This wrongful reporting lowers my credit score and causes lenders to view me as credit-seeking, which is harmful. Immediate removal required. 
XXXX XXXX XX/XX/XXXX XXXX This was not authorized by me. No permissible purpose existed. Reporting unauthorized inquiries is unlawful under FCRA. It also misleads other creditors into thinking I am aggressively seeking loans. This creates denial of legitimate applications. I demand deletion. 
Requested Relief : 1. Investigate all the above accounts, addresses, and inquiries.

2. Require deletion of unverifiable or unauthorized information.

3. Enforce compliance against furnishers and credit bureaus that failed to meet FCRA/FDCPA requirements.

4. Provide me with written results of your investigation.

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