Consumer complaint received 2025-07-17 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:
I am filing this formal complaint because multiple items on my credit report are inaccurate, unauthorized, and harmful. These include wrong addresses, incorrect late payments and charge-offs, collections that were never validated, and numerous unauthorized hard inquiries. I have already submitted dispute letters to the credit reporting agencies ( Experian, XXXX XXXX ), and the data furnishers. However, many items remain unresolved. These errors are violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These violations are severely affecting my creditworthiness, access to housing, and causing mental distress. 
INCORRECT / UNAUTHORIZED ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is not my current or previous residence and has no connection to my personal history. 
Law : FCRA 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy of consumer information.

Story : I discovered this address while reviewing my credit report, and I have never lived here, visited this property, or authorized any account to be opened using it. Its presence indicates a potential mixed file error or identity theft, and it falsely associates me with a location I have no relation to. This may cause lenders to assume fraudulent behavior or instability in my residence history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is not associated with me and appears due to reporting error or third-party fraud. 
Law : FCRA 611 ( a ) allows consumers to dispute inaccurate information, and the CRA must reinvestigate and remove unverifiable data.

Story : I believe this address was mistakenly added due to someone with a similar name or through unauthorized credit applications. I have never resided there, yet its appearance can damage my credibility, lead to wrongful denial of credit, and XXXX affect employment background checks. 
INACCURATE / DAMAGING ACCOUNTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$690.00} Late Payment * * Issue : Late payment was incorrectly reported. 
Law : FCRA XXXX and FDCPA XXXX ( b ) provide rights to dispute and request validation of inaccurate account data. 
Story : I was under the impression that this account was on autopay, and I never received any notification of a missed payment. I was also dealing with serious personal issues during this time, and no courtesy reminder was sent. This false reporting significantly dropped my credit score and resulted in a declined loan. I request full proof of payment history or deletion. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Late Payment * * Issue : Incorrect reporting of late payment. 
Law : Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate information to CRAs.

Story : This account was paid on time, and I was never notified of a late status. I had consistent payments before and after the alleged late month. Reporting this as late has severely impacted my FICO score and jeopardized a rental application. I never received proof or due process. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Reporting a late payment after balance was closed. 
XXXX : FCRA XXXX prohibits reporting of misleading data. 
XXXX : This account was paid in full and closed, yet a late payment was reported afterward. This is inaccurate, confusing to underwriters, and gives a false impression of mismanagement. I have no outstanding balance and should not be penalized. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Charge-off * * Issue : Account charged off without validation or warning. 
Law : FDCPA XXXX and FCRA XXXX ( a ) ( XXXX ) require proper notice and documentation before charge-off. 
Story : I was never provided notice of default or offered a repayment option. The sudden charge-off damaged my score and reputation. I was facing financial hardship and had tried to negotiate. I request the original account agreement and ledger, or its removal from my report. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off * * Issue : Account shows charge-off despite {$0.00} balance. 
XXXX : FCRA XXXX ( b ) ensures accuracy, and contradictory data violates that. 
XXXX : This account appears to be settled or paid in full but is still listed as charged-off. This inconsistency misrepresents my payment history and misleads lenders. I request documentation proving any balance charged off, or full deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$190.00} Collection * * Issue : No notice or validation of debt provided. 
Law : FDCPA XXXX requires written notice and debt validation within 5 days of first contact. 
Story : I have no knowledge of this collection, never received a notice or validation, and believe this XXXX be identity theft or misreporting. This is unlawful reporting and must be immediately removed unless validated properly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$180.00} Charge-off * * Issue : Deceptive credit-building product turned into charge-off. 
Law : FCRA 609 ( a ) ( 1 ) ( A ) allows me to request the complete file, and FDCPA 807 ( 2 ) prohibits misleading debt.

Story : This product was advertised as a risk-free credit builder. I was not informed of hidden terms or charges that led to this account being charged off. This is deceptive, harmful, and illegal. I request full validation or permanent deletion. 
UNAUTHORIZED / HARMFUL CXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : No written or verbal permission given. 
XXXX : FCRA XXXX ( b ) ( XXXX ) Story : This company pulled my credit without cause or approval. I request full removal and investigation. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Duplicate or unauthorized inquiry. 
Story : I had no interaction or application with this company. Its presence on my report is suspicious and unlawful. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry. 
Story : No credit was requested from them. Please remove as per FCRA. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : No credit relationship exists. 
Story : I do not know this company and never authorized access. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue for All : These inquiries were not authorized or initiated by me. 
XXXXaw for All : FCRA 604 requires permissible purpose for all hard inquiries.

Story for All : These inquiries hurt my credit score and occurred without consent. They reflect unauthorized access and should be deleted.

RESOLUTION REQUESTED : 1. I request immediate investigation and permanent deletion of all unauthorized inquiries, inaccurate accounts, and incorrect addresses.

2. I request that the CFPB ensure these companies provide written validation, and the CRAs comply with the reinvestigation duties under FCRA XXXX. 
XXXX. If the furnishers can not validate these entries, I request permanent deletion as required by law. 
XXXX. I request compensation for the damage caused, and an official CFPB investigation into any pattern of negligent or malicious behavior by the data furnishers and CRAs involved.

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