Consumer complaint received 2025-08-02 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 submitting this formal complaint as I am the victim of multiple inaccurate, unverifiable, and potentially fraudulent items being reported on my credit file. Despite submitting disputes with the credit bureaus and directly contacting the furnishers, many of these items remain unresolved, uncorrected, or reinserted without proper investigation or notification, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2.

This is my second formal complaint, and my previous CFPB complaint is still open. I have not yet submitted an FTC Identity Theft Report, but I am considering taking that step as well due to the ongoing harm. 
Below is a detailed breakdown of the erroneous information being reported, the specific issues related to each, and the legal grounds for my complaint. 
XXXX XXXX  XXXX XXXX, FL XXXX Wrong Address Issue : Duplicate of the address above, which increases confusion. 
Law : Duplicate incorrect entries are deceptive and violate FCRA 623 ( a ) ( 1 ) ( A ).

Story : Repetition of this wrong address gives the false impression of consistent residency, which further links me to debts that are not mine. This has triggered unnecessary verification reviews from creditors. 
XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Charge Off XXXX XXXX Issue : This account was wrongly charged off after a billing dispute was left unresolved. 
Law : Under FCRA 609 ( a ) and FDCPA 809 ( b ), I have a right to demand validation and billing records before reporting derogatory status. 
Story : I repeatedly contacted XXXX XXXX regarding errors in my payoff amount. Instead of addressing my concerns, they reported a charge off without any investigation. I never received notice of acceleration or final default. This is deeply damaging and unlawful. 
XXXX XXXX XXXXXXXX XXXX XXXX Late Payment XXXX XXXX Issue : Account shows late payment although I paid on time and no late notice was issued. 
Law : Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting false or incomplete information. 
Story : I took this loan to cover medical expenses and was diligent about payments. Due to a glitch in auto-payment processing, a delay occurred on their side. Instead of correcting the error, they wrongly reported me late. This has impacted my job application tied to credit screening. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Payment was on time, but marked late after auto-draft failed due to bank error.

Law : Furnishers must accurately report data under FCRA 623 ( a ) and update or delete inaccurate entries upon notification.

Story : I was on a repayment plan. One payment was delayed due to a bank freeze I had no control over. I provided proof, but the company refused to update the record. Now it looks like I am unreliable, which I am not. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate of SPRINGOAKS entry above. 
Law : Duplicate accounts are misleading and violate FCRA 623 ( a ) ( 5 ).

Story : This second listing is a strategy to double-impact my report. It gives lenders the illusion I owe more than I do. This is deceptive, misleading, and manipulative. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issue : No debt validation letter ever received. 
Law : Under FDCPA 809 ( a ), validation must be sent before collecting or reporting. 
Story : I never received a single letter or phone call from this company. This came directly onto my credit file without my knowledge, violating my due process rights as a consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issue : Debt not mine, not recognized, no notice served.

Law : Reporting unverified debts without notifying the consumer violates FCRA 611 ( a ).

Story : This account has nothing to do with me. It looks like identity theft or mixed file. I was denied an apartment because of this collection account. I never had a contract with this company. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : This debt was paid in full but still shows as open collection. 
Law : FCRA 1681s-2 ( b ) requires furnishers to correct or delete inaccurate items. 
Story : I settled this debt years ago. I have proof of payment. Keeping it listed as unpaid is dishonest and misleading to any future lender or employer reviewing my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I paid this utility bill before cutoff, but it still reports as charge off. 
Law : Inaccurate status violates FCRA 609 ( a ) ( 1 ), which gives me the right to demand itemized account records.

Story : This false charge-off caused me to lose a rental home application. When I contacted the company, they admitted I had a balance of {$0.00} but never updated the bureaus. This negligence is harming me daily. 
Unauthorized Inquiries XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Issue : These hard inquiries were not authorized by me. I did not submit any credit application on this day. 
Law : FCRA 604 ( a ) ( 3 ) requires written or electronic consumer consent for any permissible purpose inquiry.

Story : Seeing more than 15 inquiries on the same day shocked me. I believe a third-party auto dealer or broker applied on my behalf without permission. This mass inquiry pattern is damaging and unjustified. 
Unauthorized Inquiries XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : These companies accessed my file without any credit application. 
Law : FCRA 615 ( a ) mandates that the consumer be notified when a credit report is used. 
Story : I never contacted these car dealerships. I suspect a third-party dealer forwarded my personal data without consent. These inquiries are false and should be removed. 
SUMMARY OF RELIEF REQUESTED : 1. Immediate and full investigation into the DEPT OF EDUCATION/XXXX  account to verify the late payment dates, proper handling of deferment/forbearance, and any reaging violations. 
2. Removal of all incorrect addresses that are not tied to any verified application, billing statement, or legal document. 
3. Full inquiry into the unauthorized hard pull by XXXX  XXXX and appropriate penalties if found to be illegal. 
4. Sanctions and fines against furnishers and CRAs found to be in repeated non-compliance with FCRA provisions.

5. Full deletion of any unverifiable or inaccurate information in accordance with FCRA guidelines.

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