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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against multiple credit furnishers and reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ) involving inaccurate collection accounts and unauthorized credit inquiries being reported on my consumer credit file. These items are damaging my credit reputation and causing significant distress. 
Despite never receiving validation notices or proof of authorization, the following inaccurate and unverifiable items continue to appear on my credit report : WRONG ADDRESSES ( Unverifiable Personal Information ) : According to FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ), a consumer reporting agency must maintain only accurate identifying information. The following addresses are not associated with my verified identity, and I have never resided or used them in any financial, residential, or employment capacity. Reporting these false addresses violates my right to privacy and creates confusion in the verification process. 
XXXX. XXXX XXXX, XXXX, FL XXXX Wrong Address XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address I demand these addresses be immediately deleted from my credit profile as they are inaccurate and unverifiable under XXXX ( a ) ( XXXX ) ( A ). 
ACCOUNT DISPUTES ( Inaccurate and Unverified Reporting ) : XXXX  XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$520.00} | Reported as : Charge Off I have no knowledge of any delinquency or charge-off related to this account. Reporting a charge-off without full validation violates FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ). I request proof of the alleged default, payment history, and all contractual documentation. In the absence of verified evidence, this account must be deleted immediately under XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$150.00} | Reported as : Charge Off This reporting is false and misleading. I never authorized nor defaulted on this account, and the alleged charge-off is unverified. As per FCRA XXXX ( A ), information furnished must be accurate and complete. Since this account lacks verifiable proof of ownership or delinquency, I demand complete deletion under XXXX ( a ). 
XXXX XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment This late payment status is incorrect and does not reflect my true payment history. I have never missed or delayed any payment for this account. Reporting false payment history damages my creditworthiness and violates FCRA XXXX ( b ), which requires maximum possible accuracy. I demand that this account be corrected to show a perfect payment history. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$240.00} | Reported as : Charge Off I have no knowledge or record of this account ever being charged off or sent to collections. This entry appears to be unverifiable and must be deleted under XXXX ( a ) ( XXXX ) ( A ). Continued reporting of inaccurate information after notice of dispute will be deemed willful noncompliance under XXXX. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Charge Off This duplicate entry from the same furnisher ( XXXX ) is a violation of XXXX ( b ) because duplicate or inconsistent data reporting creates inaccuracies in consumer credit files. I demand immediate removal of all duplicate and unverifiable entries. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment The late payment notation is inaccurate and unverified. I have maintained good standing with XXXX XXXX XXXX XXXX. Reporting false derogatory history violates XXXX ( b ) and XXXX ( a ). I request immediate correction of this accounts status to Current / Never Late. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$14000.00} | Reported as : Late Payment * * The late payment status reported on this account is false and misleading. I have never made any late payment under this account, and no proof of delinquency has been provided. Under FCRA XXXX ( a ) ( XXXX ) ( A ), I demand a full reinvestigation. Unless your investigation produces verified payment records, the late status must be corrected to Pays As Agreed. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment * * This late payment report is factually incorrect. The account shows a {$0.00} balance, which confirms that I am not delinquent. Reporting an account with no outstanding balance as late is inaccurate and violates FCRA XXXX ( b ). Please remove or correct this entry immediately to reflect an accurate payment record. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment * * The reported late payment is inaccurate. I have never been late on this account, and there is no delinquency evidence to justify such reporting. This violates FCRA XXXX ( b ) which requires maximum possible accuracy. I demand immediate correction of this item to reflect a positive payment history. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment * * This account is also falsely reported with late payments. Since there is no outstanding balance and no verified delinquency, this notation is inaccurate. I request correction of the payment history or deletion under XXXX ( a ) ( XXXX ) ( A ) if proof can not be provided. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment * * I dispute the accuracy of this reporting. The account shows no delinquency or default, yet the credit bureau continues to list it with negative payment history. This violates FCRA XXXX ( b ). I demand correction of this entry to show Current/ Pays As Agreed. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment * * This is a duplicate and inaccurate report from the same furnisher. Duplicate or inconsistent entries are prohibited under XXXX ( b ). Please delete the duplicate record and correct any false late payment status under XXXX ( a ). 
XXXX XXXX AUTO XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$11000.00} | Reported as : Charge Off * * This charge off entry is unverified and potentially the result of reporting error. I have not received any legal notice, collection correspondence, or validation proving default. Under FCRA XXXX ( a ) and XXXX ( a ) ( XXXX ) ( A ), furnishers must provide verifiable proof or remove this item immediately. Continued reporting without proof is a willful violation of XXXX. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Late Payment * * This late payment status is factually inaccurate. I have always maintained timely payments with XXXX. XXXX otherwise is misleading and harmful. I request full reinvestigation under XXXX ( a ) and correction to Never XXXX. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$230.00} | Reported as : Charge Off * * This account is not recognized and appears to be unverified. I have no knowledge of ever defaulting with XXXX XXXX. Under FCRA XXXX ( a ), please provide validation of this debt or delete it immediately under XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported as : Charge Off * * This duplicate reporting from XXXX XXXX is inaccurate and misleading. Duplicate charge-off listings artificially damage my credit score and violate XXXX ( b ). Please remove this duplicate entry immediately and verify all reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$3900.00} | Reported as : Charge Off * * I have no prior relationship or agreement with XXXX XXXX XXXX. This account is unverified and potentially fraudulent. Under FCRA XXXX ( a ) and XXXX ( a ) ( XXXX ), you must provide the original signed contract and account history. If you can not verify ownership beyond reasonable doubt, this account must be permanently deleted from my file. 
XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2700.00} | Reported as : Collection I have no record or knowledge of this alleged debt. No notice of assignment or validation has ever been received. Unless you can produce complete documentation showing my written authorization and payment history, this entry must be deleted under FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$750.00} | Reported as : Collection * * I dispute this alleged debt in its entirety. There is no verifiable proof linking me to this account. Reported data must be removed under FCRA XXXX ( a ) ( XXXX ) ( A ) if verification can not be obtained. 
UNAUTHORIZED / EXCESSIVE HARD INQUIRIES Under FCRA XXXX ( a ) ( XXXX ), a credit inquiry is permissible only with the consumers written authorization or for a legitimate credit transaction initiated by the consumer. I have not authorized or initiated the following inquiries, and many were conducted on the same dates by multiple auto dealerships and lenders, which indicates unauthorized access and potential privacy violations under XXXX & XXXX. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my consent or direct application for credit. They constitute unauthorized access of my consumer file. I demand that all above-listed inquiries be immediately deleted from my credit report and that the CRA provide written confirmation identifying which furnishers certified permissible purpose under XXXX ( f ). 
Legal Basis of My Complaint Under the Fair Credit Reporting Act, I am protected by the following rights : XXXX ( b ) CRAs must ensure maximum possible accuracy. 
XXXX ( a ) ( XXXX ) ( A ) Consumers have the right to dispute and request reinvestigation of inaccurate data. 
XXXX ( a ) ( XXXX ) Consumers have the right to obtain verification of all data reported. 
XXXX ( f ) No consumer report may be accessed without permissible purpose or written consent. 
Each of the above-listed items violates XXXX or more of these federal protections. These violations have caused me financial harm, credit denial, and emotional distress. 
Relief Requested I respectfully request the CFPB to : XXXX. Investigate the actions of all the above furnishers and credit bureaus. 
XXXX. Compel the removal of all unverified or unauthorized entries from my credit report. 
XXXX. Require documentation of validation or permissible purpose for each item. 
XXXX. Enforce compliance with FCRA XXXX ( a ) ( XXXX ) ( A ) requiring deletion of unverifiable data. 
Thank you for your time and for protecting consumers from inaccurate credit reporting practices. I have attached supporting documentation including my credit report excerpts highlighting the disputed items.

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