Consumer complaint received 2025-07-25 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 formal complaint against the credit bureaus and furnishers for knowingly reporting false, inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ). These violations are directly causing me credit denials, job loss, mental stress, and financial hardship. The items below are harming my life and must be investigated and removed. 
XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law : FCRA 602 ( A ), 607 ( b ) Story : I have no history, lease, or legal presence at this address. Its appearance in my file is unjustified and misleading. It may be the result of identity mix-up or reporting error. As it is affecting my credit standing, I request its immediate removal. It violates FCRA 602 ( A ), which guarantees consumer protection and accuracy. 
XXXX XXXX * * Issue : Charge Off Law : FCRA 609 ( a ) ( 1 ), FDCPA 809 ( b ) Story : This account was charged off without any verifiable documentation being presented to me. I never received proper validation or notice. This is in clear violation of my right to debt validation under FDCPA. Its continued reporting without proof is harming my housing and employment opportunities. I demand that you delete this unless fully validated. 
XXXX XXXX * * * * Issue : Charge Off Law : FCRA 623 ( a ) ( 1 ) ( A ), FDCPA 809 ( b ) Story : I never agreed to default on this account, nor was I sent proper notices of charge-off. Attempts to verify this with the original creditor have failed. This has affected my ability to rent an apartment and get a car loan. Under FCRA, this entry must be removed unless verified in writing. 
XXXX XXXX * * * * Issue : Charge Off Law : FDCPA 809 ( b ), FCRA 611 ( a ) ( 1 ) ( A ) Story : This account was falsely reported as a charge-off without my knowledge. It was likely reported based on third-party error. The original contract and transaction records have never been shown to me despite multiple requests. Delete this entry for being unverifiable and inaccurate. 
XXXX  XXXX XXXX * * * * Issue : Charge Off Law : FCRA XXXX ( b ), FDCPA XXXX Story : I never defaulted on this account and requested full validation several times without success. This account is harming my reputation with creditors. FCRA requires the highest level of accuracy, and this entry is failing that standard. Remove it immediately. 
XXXX  XXXX * * * * Issue : Charge Off Law : FCRA 623 ( a ) ( 1 ) ( A ) Story : This is inaccurately reported. The balance is listed as {$0.00} but still marked charge-off, which is contradictory and misleading. If theres no active balance, it can not remain reported as delinquent. This must be corrected or deleted. 
XXXX XXXX XXXX * * * * Issue : Collection Law : FDCPA 809 ( b ), FCRA 611 ( a ) ( 5 ) Story : This debt has never been validated. I requested proof in writing but received nothing. Continued reporting without verifying violates the law. It is ruining my credit score and personal finances. Remove this immediately. 
XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection Law : FDCPA 809 ( b ), FCRA 611 Story : This entry has been disputed several times. No response or verification was received. Keeping it on my credit file is a violation of FCRA. This is impeding my financial progress and must be removed at once. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Charge Off Law : FCRA XXXX ( b ) Story : This account was settled years ago and should no longer be listed as charged off. Continued reporting in this status is false, outdated, and harmful. I am entitled to fair and accurate reporting. Please remove or correct this. 
XXXX XXXX XXXX XXXX * * * * Issue : Duplicate Collection Law : FCRA XXXX ( a ) ( XXXX ) Story : This is a duplicate of the earlier XXXX XXXX  entry. It shows {$0.00} balance but still appears as an open collection. This is deceptive and unfair. Remove it immediately as required by federal law. 
XXXX XXXX XXXX XXXX ( Hard Inquiry ) Issue : Unauthorized Inquiry Date : XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Story : I did not authorize this inquiry. I never applied for credit with this bank on the given date. Reporting an unauthorized hard inquiry lowers my credit score and violates my rights. Please remove this immediately and provide the name of the party who initiated it.

REQUEST TO CFPB : I am requesting the CFPB to launch an immediate investigation into the credit bureaus and furnishers listed above for repeated and willful violations of my rights. I have attached a detailed summary of each item along with supporting facts. These issues are blocking me from housing, loans, and job opportunities. If this continues, I will pursue legal action under FCRA 616 & 617.

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