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: OH

Complaint narrative:
I am submitting this formal complaint against various credit reporting agencies and data furnishers for continued reporting of inaccurate, outdated, unverifiable, duplicated, and fraudulent information on my credit file. These items are seriously damaging my financial standing, obstructing my ability to secure housing, employment, and credit, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Servicemembers Civil Relief Act ( SCRA ). 
XXXX XXXX XXXX XXXX XXXX, MD XXXX WRONG ADDRESS I am not the resident of this location. This address may have been added to my credit file due to clerical error, fraud, or data merge. 
Issue : This inaccuracy leads to unfair denial of credit and can result in identity theft complications. 
Law : FCRA 605 ( b ) mandates that inaccurate personal information must not remain on consumer reports. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00} LATE PAYMENT I dispute the late payments being reported. During this time, I was on XXXX XXXX XXXX  orders and requested accommodations under the Servicemembers Civil Relief Act ( SCRA ), but XXXX XXXX did not properly update my file or provide support. 
Issue : These late payments misrepresent my payment behavior, lower my credit score, and do not reflect my actual hardship protections. 
Law : SCRA 3937 protects service members from negative credit actions during active service. Also, FCRA 623 ( a ) prohibits reporting inaccurate info knowingly. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} COLLECTION This debt is unknown to me and was never validated. I never received any collection letter or itemization of debt. 
Issue : I was denied credit because of this item. I requested validation and received nothing, violating my rights. 
Law : FDCPA 809 ( b ) gives me the right to request validation. FCRA 611 requires deletion if unverifiable. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} COLLECTION This account was resolved long ago and shows a XXXX balance. Reporting it as a current collection is both outdated and misleading. 
Issue : This makes it appear Im in default when I am not, which directly hurts my access to credit. 
Law : FCRA 605 ( a ) ( 5 ) prohibits reporting misleading or obsolete collection accounts. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT I made timely payments on this account, and any supposed late fees were due to XXXX  failure to post my online payment correctly. 
Issue : This is a reporting error caused by internal processing delays, not consumer neglect. 
Law : FCRA 623 ( b ) obligates furnishers to correct or delete inaccurate data upon dispute. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} COLLECTION I did not open this account. This appears to be a fraudulent line added under my name, and no verification has been provided. 
Issue : This item is the result of identity theft or unauthorized use. 
Law : FCRA 609 ( a ) allows me to request all documentation. If none is provided, per FCRA 611, this must be deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} CHARGE OFF This account was in deferment during the pandemic. XXXX never honored my hardship accommodation and charged off the loan unfairly. 
Issue : This action was taken without notification, against the backdrop of nationwide relief measures. 
Law : CARES Act Section 4021, FCRA 623 ( a ) ( 1 ) ( A ) data must reflect accurate payment history during COVID forbearance. 
XXXX XXXX XX/XX/XXXX HARD INQUIRY I did not authorize this inquiry and have never applied for any credit product with XXXX XXXX. 
Issue : This unauthorized inquiry has dropped my score and raises serious privacy concerns. 
Law : FCRA 604 ( a ) ( 2 ) requires express permission for hard inquiries. If this can not be verified, it must be removed under 611.

I demand that all disputed items be investigated and permanently removed if unverifiable. Under FCRA 611, if you can not provide documentation of accuracy within 30 days, the information must be deleted. You are required to send me a copy of the results of your investigation and an updated credit report showing the corrections. 
I request the CFPB to investigate each of these inaccurate items, ensure their deletion if not verified with valid documentation, and take appropriate enforcement actions against all parties violating federal law. I am attaching a copy of my ID, proof of address, and credit report highlighting the disputed items. These errors are not only harmful but also ongoing and unresolved despite multiple disputes. I respectfully request your urgent attention and assistance in permanently removing these damaging and unlawful items from my credit report

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