Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
TO WHOM IT MAY CONCERN I am filing this complaint due to multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. My credit report contains numerous inaccurate, outdated, and unverifiable information including incorrect addresses, unauthorized and excessive hard inquiries, inaccurate late payments, charge-offs, and collection entries. These errors have significantly impacted my ability to obtain credit, housing, and fair financial opportunities. 
XXXX XXXX XXXX XXXX XXXX MI XXXX Issue : This address is inaccurately listed in my credit report. I have never lived at this location, nor have I used it for any financial or identification purposes.

Law Violated : FCRA 609 ( c ) ( 1 ) ( A ), 602 ( a ), and 607 ( b ) the credit bureaus are obligated to ensure all information is accurate and verifiable.

Story : This address being listed has led to account mismatches and false associations with debt. I suspect identity confusion or mixed file error, and I urgently request this address to be permanently deleted from all of my credit files. 
XXXX XXXX XXXX XXXX  Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$11.00} Issue : A late payment has been falsely reported on this account.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report information they know to be inaccurate.

Story : I was never more than 30 days past due. This payment was processed within the allowable period. A minor technical delay should not result in derogatory reporting. This mark has unfairly lowered my credit score and hurt my credit access. 
XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$54000.00} Issue : Late payment inaccurately reported.

Law Violated : FCRA 623 ( b ) the furnisher must investigate and correct or delete disputed information.

Story : I was enrolled in auto-pay and never received any notice of non-payment. The delinquency was falsely flagged and is now interfering with future financing approvals. I demand full validation and correction. 
XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$6.00} Issue : This late payment report is unreasonable for a {$6.00} balance.

Law Violated : FCRA 607 ( b ) reporting must be accurate to the maximum extent possible.

Story : No valid creditor should be allowed to report a damaging delinquency over such a minor amount without giving notice. I did not receive any invoice or warning, and this mark has harmed my credit unfairly. 
XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment marked after the account was closed and paid off.

Law Violated : FCRA 623 ( a ) ( 2 ) furnishers must update and correct previously furnished information. 
Story : This error is clearly the result of system automation. No human-reviewed process would allow this. It wrongly classifies my account as risky and continues to pull down my score. 
XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$740.00} Issue : This collection was never communicated to me before reporting. 
Law Violated : FDCPA 809 ( b ) requires debt validation upon request ; FCRA 623 ( a ) ( 5 ) notice of collection reporting.

Story : I never received any mail, validation, or warning. I only learned of this debt from my credit report. This is a clear violation of due process and consumer rights. I demand immediate deletion for lack of proper procedure. 
XXXX XXXXXXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment reported after the account was closed and paid. 
Law Violated : FCRA 623 ( a ) furnisher duty to ensure accuracy.

Story : I was never behind on payments. The record reflects laziness in updating or a technical glitch. My score is suffering over a false late mark. 
XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment incorrectly flagged after loan closure. 
Law Violated : FCRA 602 ( b ) and 623 ( a ) ( 2 ).

Story : The loan was fully paid. Reporting delinquency afterward is deceptive and against consumer protection principles. I demand evidence or deletion. 
XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment post-closure with no valid documentation.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ).

Story : I had enabled automatic payment. I never received a notice of a late bill. This incorrect late mark is penalizing my profile for no fault of my own. 
XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$1100.00} Issue : Charge-off reported without prior notice, validation, or due diligence. 
Law Violated : FCRA 623 ( a ) ( 5 ), FDCPA 807 ( 8 ).

Story : This debt was never properly validated. No letter, no verification, no dispute rights were honored. Reporting it as a charge-off violates every standard of ethical and lawful reporting. 
XXXXXXXX XXXX XXXXXXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment reported even though the account is paid and closed. 
Law Violated : FCRA 607 ( b ).

Story : This is a false report. No payment was late. I had a clean record, and this inaccurate derogatory mark has cost me multiple credit denials. 
Hard Inquiries No Authorization or Permissible Purpose : XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized hard inquiry, I never consented or applied for credit with XXXX XXXX 
Law Violated : FCRA 604 ( a ) ( 2 ) & 604 ( a ) ( 3 ) ( A ) Access to a credit report must be initiated by a consumer transaction. 
Story : I did not seek credit or authorize any dealership to apply to XXXX XXXX. This inquiry occurred without my involvement and may indicate application bundling by third parties without consent. This behavior violates my privacy rights. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry by XXXX XXXX. 
Law Violated : FCRA 604 and 610 permissible purpose and consumer protection.

Story : I did not authorize this inquiry and was not applying for any loan, lease, or vehicle at the time. This inquiry is damaging my score and reflects an abuse of access or data error. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Hard pull without permissible purpose or consent. 
Law Violated : FCRA 604 ( a ) ( 3 ) ( F ) no firm offer or business transaction occurred.

Story : I never initiated any contact or application with XXXX XXXX XXXX XXXX  This inquiry has affected my credit score without justification. It may be fraudulent or due to incorrect information shared by a dealer or affiliate. 
XXXX XXXX XX/XX/XXXX Issue : Inquiry conducted without a direct application from me.

Law Violated : FCRA 604 ( b ) ( 2 ) requires written or electronic consent.

Story : I did not submit any credit application at XXXX XXXX. I suspect this may be an indirect dealer application or submission error, but regardless, it should not be on my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : No known application for credit with XXXX XXXX XXXXXXXX at the time of the inquiry. 
Law Violated : FCRA 604 ( a ) ( 3 ) access must be connected to a consumer-initiated action.

Story : This inquiry was made without my approval or application. I did not receive any notification or opportunity to challenge or prevent it. It violates my rights under FCRA and causes harm to my file.

Conclusion and Request : These issues are not isolated, but part of a pattern of reckless and negligent reporting. I have attempted to dispute these items directly with the credit reporting agencies and the furnishers, but no reasonable investigation or correction has been made. Under FCRA 611 and FDCPA 809 ( b ), I have the right to a full and fair investigation and to have unverifiable or inaccurate information removed. I respectfully request the Consumer Financial Protection Bureau investigate these violations, enforce correction and deletion of these inaccuracies, and hold the responsible parties accountable for noncompliance.

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