Consumer complaint received 2025-10-16 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 to the Consumer Financial Protection Bureau regarding multiple inaccurate and unlawfully reported items that continue to appear on my consumer credit file. Despite my consistent efforts to have these errors corrected, the credit reporting agencies and data furnishers have failed to ensure accuracy, transparency, and compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These violations have caused me significant emotional and financial distress, including denials of credit, increased interest rates, and damaged reputation. I am requesting a full investigation by the CFPB into the below-listed accounts and their furnishers for willful non-compliance with federal law. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are completely inaccurate and have no valid connection to my verified residence history. Their presence suggests mixed or merged credit files and violates FCRA XXXX ( b ), which mandates accurate reporting of consumer identification data. I have never resided at these addresses, and continuing to associate them with my profile is misleading and unlawful. 

ACCOUNTS XXXX XXXX XXXX Account XXXX XXXX Balance : {$360.00} Opened : XX/XX/XXXX Late Payment This account reflects late payments that are inaccurate and not supported by verifiable payment history. Reporting unverified derogatory data without complete validation from the original creditor is a violation of FCRA 611 ( a ) and 607 ( b ). The law requires the credit bureau to maintain only verified and accurate information. The information reported is incomplete, outdated, and inconsistent with my actual payment record, therefore must be deleted immediately. 

XXXX Account # XXXX Balance : {$0.00} Opened : XX/XX/XXXX XXXX Payment The reported late payment is inaccurate and unsubstantiated. No documented proof or original creditor verification has been provided. Under FCRA 602 ( A ) and 611 ( A ), inaccurate payment data must be removed when challenged. The lack of validation demonstrates negligence in data verification, and the continued reporting causes harm to my creditworthiness. 

XXXX XXXX XXXX Account # XXXX Balance : {$1500.00} Opened : XX/XX/XXXX Late Payment This accounts late payment notation is false and misleading. I have never missed any payments, nor was I notified of delinquency. The creditors data appears to have been reported in error or through mixed file activity. Reporting unverified negative data without full investigation violates FCRA 607 ( B ) and 611 ( A ). This account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Opened : XX/XX/XXXX Late Payment The reported late payment is incorrect and has not been validated with sufficient evidence. Under FCRA 611 ( A ), upon consumer dispute, the bureau must reinvestigate and remove unverifiable items. The current reporting appears inconsistent with factual records and must be corrected or deleted to comply with federal law. 

XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX High Balance : {$1000.00} Collection This account was never authorized for collection status. Reporting a paid or inactive account as a collection without proper validation is a serious FCRA 611 ( A ) violation. The creditor failed to validate the alleged delinquency, and continuing to display this data damages my financial standing. 

XXXX XXXX Account # XXXX Opened : XX/XX/XXXX High Balance : {$210.00} Collection This collection listing is inaccurate, as I have no outstanding debt or delinquent record with XXXX. The failure to verify account ownership and payment history before reporting constitutes a breach of FCRA 607 ( B ). The account must be investigated and deleted if unverified. 

XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX High Balance : {$84.00} Collection This collection report is false and misrepresents my financial obligations. No proper validation or contract documentation was ever provided. The continued reporting of unverifiable negative information is in direct violation of FCRA 611 ( A ) and 607 ( B ). Immediate deletion is required. 

XXXX XX/XX/XXXX Inquiry This inquiry appears on my report without any application or consent from me. Under FCRA 604 ( a ) ( 2 ), no entity is permitted to access my credit file unless I have initiated a credit transaction or given written consent. Since I have never done business or applied for credit with XXXX XXXX XXXX XXXX, this constitutes a clear violation of the FCRA and must be removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me, and I have no prior or existing relationship with XXXX XXXX XXXX. The FCRA mandates that inquiries must stem from an application initiated by the consumer. Since no such application exists, this inquiry is both unlawful and harmful to my report, violating my rights under FCRA 604 ( a ) ( 3 ). 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I have never applied for any financing or account with XXXX XXXX  Reporting this inquiry without my permission is a violation of federal law. I request immediate verification and deletion in accordance with FCRA 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to reinvestigate disputed information. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was reported without my knowledge or consent. I have never sought financing or engaged in any credit-related transaction with XXXX XXXX XXXX As per FCRA 604 ( a ), access to my credit report without a permissible purpose constitutes an unauthorized act, and this must be removed. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry No authorization or credit application was made by me to XXXX XXXX XXXX. Reporting this inquiry is inaccurate and in violation of FCRA 604 ( a ) ( 2 ). I demand that you verify its legitimacy and remove it immediately if proof of permissible purpose can not be provided. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I have not applied for credit with XXXX XXXX XXXX, and I have never authorized this inquiry. This reporting is inaccurate and unauthorized under FCRA XXXX. Any entity that accesses a credit file without permissible purpose must be held accountable, and such inquiries must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I have no current or past account with XXXX XXXX XXXX, nor have I initiated any credit application with them. This inquiry violates my privacy and consumer rights under FCRA 604 ( a ). Please delete it immediately upon verification failure. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry There is no record of me authorizing XXXX XXXX XXXX to perform a hard inquiry on my credit report. Reporting such without consent is unlawful and must be removed pursuant to FCRA 611 and 604. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized, nor do I have any knowledge of this company. Under FCRA 604 ( a ) ( 3 ) ( A ), such access to my report requires explicit consumer consent, which was never given. Immediate removal is required. 

XXXX XXXX XX/XX/XXXX Inquiry I have not applied for any XXXX XXXX product or account. Reporting this inquiry without proof of authorization is inaccurate, deceptive, and in violation of my consumer rights under FCRA 604 ( a ) ( 2 ). 

XXXX XXXXXXXX XX/XX/XXXX Inquiry Once again, I have never consented to or initiated any transaction with XXXX XXXX XXXX XXXX This inquiry must be treated as unauthorized and deleted according to FCRA 604 and 611. 

XXXX XX/XX/XXXX Inquiry I have not applied for credit with XXXX. This inquiry was made without any permissible purpose or consent, violating FCRA 604 ( a ). Such inaccuracies damage my credit reputation and must be promptly removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry No authorization or application was submitted to XXXX XXXX XXXX by me. Accessing my credit report without my consent constitutes a violation of federal law, specifically under FCRA 604 ( a ) ( 2 ) and 611.

I am demanding immediate CFPB intervention to investigate the above violations and compel the furnishers and reporting agencies to permanently delete these inaccurate, unverifiable late payment notations. Each of these entities has failed their obligations under the Fair Credit Reporting Act, causing financial damage, stress, and loss of credit opportunities. I request that the CFPB take corrective action to ensure my rights as a consumer are protected and these violations are remedied immediately.

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