Consumer complaint received 2025-08-01 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 submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX MI XXXX Address Law : FCRA Section 609 ( c ) ( 2 ) ( E ) and Section 611 ( a ) Issue : This address is unknown to me and does not belong to me Story : I have never lived at or been associated with this address this is not a valid or authorized address related to my identity and must be removed to prevent further reporting inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Address Law : FCRA Section 609 and 611 Issue : I have never resided at this address nor authorized it for use Story : This address appears on my report without any valid relationship to me I request immediate deletion due to its inaccuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Chargeoff * * Law : FCRA 611 and 623 ( a ) ( 1 ) ( A ) Issue : This account is reporting inaccurate charge-off status Story : I dispute this entry as I do not have a valid account with this creditor in this manner and the reporting has no supporting verification documents provided under my previous request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Chargeoff * * Law : FCRA 611 and 623 Issue : Account status is incorrect and unverifiable Story : This item does not match any legitimate obligation on my part and needs to be reinvestigated properly with actual documentation XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 623 and 611 Issue : Reporting as a charge-off despite {$0.00} balance Story : This contradictory entry reflects inaccurate status a XXXX balance can not be charged off and I request deletion of this erroneous item DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment * * Law : FCRA Section 611 and 623 Issue : Late payment reported inaccurately Story : I was under forbearance or deferment status during this time as per federal student loan protections yet this account reflects a delinquency that should not exist DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Late Payment * * Law : FCRA 623 and 611 Issue : Misreported delinquencies Story : This loan was not delinquent under Department of Education guidelines this is a misrepresentation and needs correction or removal DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment * * Law : FCRA Section 611 Issue : Forbearance status overlooked in reporting Story : This loan was under active federal protection with no missed payments and yet is reported delinquent in error DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * Law : FCRA Section 611 Issue : Inconsistent and unverified reporting Story : Payments were in good standing or under approved deferment the late payment status here is factually unsupported and must be corrected DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Late Payment * * Law : FCRA 611 Issue : Unjustified derogatory status Story : I dispute this item because payments were not late based on agreed terms this listing reflects inaccurate and harmful reporting XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Chargeoff * * Law : FDCPA and FCRA 611 Issue : Debt buyer reporting with no substantiation Story : XXXX record is unsupported and lacks chain of title or proof of original creditor obligation therefore it should be removed XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00} Collection * * Law : FCRA 623 Issue : Duplicate with XXXX account Story : This appears to be a duplicate listing for the same debt and creates double derogatory harm I request immediate deletion of one or both pending validation XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$1000.00} Collection * * Law : FCRA 611 and 623 Issue : Account submitted to collections in error Story : This balance was under dispute with the institution and should never have been placed with a collection agency XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Collection Law : FCRA 611 Issue : Account disputed and improperly validated Story : XXXX XXXX has failed to provide any documentation verifying this collection as accurate and complete per my first dispute XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA 604 Issue : Inquiry conducted without my initiation Story : I did not consent to this inquiry and you are required to remove all unauthorized access entries from my report I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

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