Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against multiple credit furnishers and consumer reporting agencies ( Experian, XXXX, and XXXX  ) for the continued reporting of inaccurate, unverifiable, and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my efforts to resolve these matters directly, the following issues remain unresolved : XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX WRONG ADDRESS Issue : This address does not belong to me and I have never lived there.

Law : FCRA 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy.

Story : I have never rented, owned, or been associated with this property. Its presence on my report suggests a file mix-up or data merger error. This is deeply concerning and violates my right to accurate credit information.

Requested Action : Immediate deletion of this address from all credit files. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC WRONG ADDRESS Issue : Completely unassociated address.

Law : FCRA 1681c mandates accurate reporting.

Story : I was shocked to see this address on my report as I have no links to it whatsoever. This is harming my credibility and possibly the result of identity confusion or data errors.

Requested Action : Remove this address immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, {$67000.00} ) LATE PAYMENT Issue : Reported late payment is inaccurate Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishers must report accurate info Story : I was granted a temporary deferment due to financial hardship and was told no negative information would be reported during that period. Still, a late payment was reported, violating the agreed-upon terms and the CARES Act.

Requested Action : Remove the late payment record. 
XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$6200.00} ) LATE PAYMENT Issue : Inaccurate late payment Law : FCRA 1681e ( b ) + Equal Credit Opportunity Act ( ECOA ) Story : I experienced sudden job loss and illness during this period. I contacted the creditor and requested a grace period, which was acknowledged verbally but later ignored in reporting. This shows a lack of reasonable accommodation and hurts my credit score.

Requested Action : Remove this late payment. 
XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, {$4700.00} ) COLLECTION Issue : Unverified and unvalidated debt Law : FDCPA 809 ( b ) + FCRA 1681s-2 ( b ) Story : I have never received a debt validation letter for this account. No written correspondence or collection attempt was made directly to me, and I believe this may not even be my debt.

Requested Action : Delete this collection account. 
XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, {$6900.00} ) CHARGE OFF Issue : Disputed debt was still charged off Law : FCRA 1681i reinvestigation obligation Story : There was a billing error which I reported multiple times. While under dispute, the account was charged off and reported, ignoring my formal complaints.

Requested Action : Remove this charge-off. 
XXXX XXXX ( Opened XX/XX/XXXX, {$4800.00} ) CHARGE OFF Issue : Dispute was unresolved, no notice given Law : FCRA 1681s-2 ( b ) Story : I had agreed to a settlement which was ignored. My payment was accepted but the account was still charged off. This is deceptive and harmful.

Requested Action : Remove charge-off entry. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$3800.00} ) CHARGE OFF Issue : Fraudulent account Law : FCRA 605B identity theft protection Story : I never opened this account. I believe I am a victim of identity theft. I request full documentation and investigation.

Requested Action : Delete due to fraud. 
XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, {$5900.00} ) CHARGE OFF Issue : Misleading terms led to default Law : FCRA 1681e ( b ) Story : I was told that I was in good standing. Then, without notice, my account was closed and charged off. This is unfair treatment and possibly a violation of agreement terms.

Requested Action : Delete this record. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX, {$37000.00} ) CHARGE OFF Issue : Duplicate entry Law : FCRA 1681s-2 ( a ) ( 2 ) Story : This is the same account as above, reported twice. Duplicate entries unfairly damage my credit score.

Requested Action : Delete duplicate. 
XXXX XXXX ( Opened XX/XX/XXXX, {$13000.00} ) COLLECTION Issue : Duplicate of previous Law : FCRA 1681s-2 ( a ) ( 2 ) Story : Same collection listed twice under two different names. This is misleading.

Requested Action : Delete duplicate account. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$5400.00} ) CHARGE OFF Issue : Charge-off despite active payments Law : FCRA 1681s-2 ( b ) Story : I had a payment arrangement in place. XXXX XXXX ignored this and charged off the account. This is unjust and contrary to their verbal agreement. 
Requested Action : Remove charge-off. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$3400.00} ) CHARGE OFF Issue : Reported charge-off prematurely Law : FCRA 1681e ( b ) Story : I missed one payment and was trying to catch up. They marked it as charge-off without giving me the chance to settle or negotiate.

Requested Action : Remove. 
XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$6200.00} ) CHARGE OFF Issue : Was in hardship plan Law : CARES Act + FCRA 1681s-2 Story : I was enrolled in a COVID hardship program. Still, they charged off my account in violation of the agreement.

Requested Action : Remove charge-off. 
XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$96000.00} ) CHARGE OFF Issue : Inflated, suspicious balance Law : FCRA 1681i Story : Balance is unusually high and I have no record of such debt. Likely error.

Requested Action : Delete. 
XXXX XXXX XX/XX/XXXX XXXXnquiry This hard inquiry was unauthorized. I never applied for credit with XXXX on that date. Remove as it violates FCRA 604 ( a ) ( 3 ). 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized inquiry. I never applied for any loan or credit from this institution. Remove immediately under FCRA 604.

Personal and Financial Impact These errors have caused significant harm to me including credit denials, higher interest rates, and emotional distress. I have missed out on housing opportunities and experienced embarrassment during credit checks. My identity may also have been compromised due to mixed files or unauthorized access.

Requested Relief I respectfully request the CFPB investigate these violations and require the responsible entities to : 1. Permanently delete all wrong addresses from my credit reports 2. Remove all inaccurate, unverifiable, fraudulent, and duplicate accounts 3. Delete all unauthorized credit inquiries 4. Provide me with documentation of the results of all reinvestigations 5. Enforce compliance with FCRA and FDCPA regulations I have attempted to resolve these issues directly and was either ignored or provided with vague responses. I am now turning to the CFPB for assistance to ensure that my legal rights are protected.

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