Consumer complaint received 2025-10-16 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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains inaccurate, incomplete, and unverified information that has not been corrected despite multiple disputes. These errors have caused damage to my creditworthiness, created financial harm, and demonstrate noncompliance by the credit reporting agencies and furnishers with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request a full and immediate investigation and correction of all inaccurate items listed below. 

Address : XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. Reporting an incorrect or unverifiable address violates FCRA 607 ( b ), as credit bureaus must maintain accurate identification information. This wrong address may be connected to fraudulent or outdated data on my file and must be deleted immediately for compliance with federal law. 

XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$1200.00} Story : The balance and reporting of this account are inconsistent with my records. I have no evidence of any unpaid balance at the amount reported. I demand full verification including the original account agreement, payment history, and any charges applied. If XXXX XXXX can not provide verified documentation in accordance with FCRA 1681i, this account must be deleted immediately. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Story : This account appears inaccurately on my credit report, and reporting it without proper verification constitutes a violation of 15 U.S.C. 1681i. I request copies of all statements and verification of the account status. In absence of verifiable proof, deletion is required. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$50.00} Story : The reported balance is incorrect and unverifiable. I demand full documentation proving the validity of this account. Failure to provide sufficient verification constitutes a direct violation of FCRA 1681i, requiring immediate removal. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Chargeoff Story : This charge-off is not accurate according to my personal records. I request detailed verification including account statements and calculation of any balance. Without verification, deletion is mandatory per 15 U.S.C. 1681i ( a ). 

DEPT OF EDUCATIONXXXX XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$3800.00} Late Payment Story : Late payment reporting is inaccurate and unverifiable. I demand complete documentation of all payments, missed or late, and any notifications sent. In accordance with FCRA 1681i, unverifiable or incomplete information must be removed. 

DEPT OF EDUCATIONXXXX XXXX Open Date : XX/XX/XXXX Balance : {$2300.00} Late Payment Story : This item conflicts with the previous entry and appears duplicated. Duplicate or conflicting information violates FCRA standards. I demand verification and immediate correction or deletion. 

XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$860.00} Chargeoff Story : This charge-off is reported inaccurately and requires verification of default status, payment history, and original agreement. Without proper verification, FCRA 1681i mandates deletion. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$270.00} Chargeoff Story : The reported charge-off is unverifiable and inaccurate. I request full documentation proving the accuracy of the account and the charge-off status. Failure to provide verifiable evidence requires deletion under FCRA 1681i. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  High Balance : {$5500.00} Collection Story : This collection account contains inconsistent balance reporting. I request all supporting documentation to validate the collection, including original contract, statements, and any correspondence. Unverified collections must be removed under 15 U.S.C. 1681i. 

XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX High Balance : {$740.00} Collection Story : The reported collection balance is inaccurate. I demand full verification of the original debt and statements. Unverified items must be deleted immediately under FCRA 1681i. 

XXXX XXXX XXXX XX/XX/XXXX Story : This inquiry was made without my authorization. Per FCRA 1681b ( f ), unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Story : I did not authorize this inquiry. Verification required ; remove if unverifiable. 

XXXXXXXX XXXX XXXX XXXX Story : Unauthorized inquiry. I demand deletion unless proper authorization documentation is provided under FCRA 1681b ( f ). 

XXXX XXXX XX/XX/XXXX XXXX : This inquiry was unauthorized and violates my rights. Immediate removal required under FCRA 1681b ( f ). 

The credit reporting agencies and furnishers have failed to maintain accurate records, verify disputed information, or provide lawful documentation, violating FCRA 602, 604, 607, 609, 611, and 623, as well as FDCPA 807. I request the CFPB to investigate these violations, ensure permanent deletion of all inaccurate information, and require written confirmation of all corrective actions taken.

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