Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against several creditors, collectors, and credit reporting agencies for reporting inaccurate, incomplete, and unverifiable information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). 
Despite my written disputes to the credit bureaus, the following wrong addresses and incorrect account details remain on my credit reports, damaging my credit standing and violating my consumer rights. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address These addresses are not associated with me and should not appear on my report. I have never lived at, received mail at, or been associated with these locations. Please remove them immediately as they XXXX be linked to inaccurate or fraudulent reporting. 
Accounts with Inaccurate Information : XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Reported as Late Payment. I have never made any late payments on this account. This reporting is damaging my payment history and overall credit score. Under the FCRA, all information reported must be complete and accurate. Please verify payment records directly with the creditor and correct any inaccuracies immediately. If the creditor can not provide documented proof of a late payment, this derogatory remark must be removed. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Reported as Charge Off. I have no knowledge or record of ever opening or maintaining this account. I request full documentation verifying the debt, including original signed agreements and payment history. If XXXX can not provide legal proof of my liability, the account must be deleted immediately as unverified under FCRA 611 ( a ). 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Late Payment reporting is incorrect. I have consistently made on-time payments. Please conduct a full reinvestigation and correct the status to Paid as Agreed. Inaccurate reporting of late payments violates FCRA XXXX ( b ), which requires furnishers to ensure maximum possible accuracy. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Late payments have been wrongly reported. Please review all payment records. I am requesting a correction to reflect my accurate payment history. If no verifiable evidence exists for the alleged delinquencies, please remove these derogatory marks immediately. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} This account shows false late payments that never occurred. Please verify the payment schedule and supporting documents. Without proof, you are required by law to remove the inaccurate late payment notations. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Account inaccurately marked as late. Such an error misrepresents my payment history and affects my creditworthiness. Please verify and correct this to reflect timely payments. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Late payment data is wrong. I have maintained consistent payments. Please provide documentation to support this claim ; otherwise, remove the inaccurate entry under FCRA XXXX ( a ). 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Late payment reporting is inaccurate. I request a thorough review and correction. Inaccurate data reduces my creditworthiness and violates the accuracy standards of the FCRA. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Incorrect late payment reporting. I request a full investigation and verification. If XXXX can not provide documentation showing I was late, please remove the error immediately. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Payment history inaccurate. This account has been wrongfully reported as late. Please verify payment history and update as XXXX on XXXX. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Late payment notation inaccurate. XXXX must ensure complete accuracy when reporting under FCRA 607 ( b ). Please correct or delete this erroneous reporting. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Incorrectly showing late payments. Please confirm directly with the lender and update to accurate status. Any unverifiable derogatory data must be deleted promptly. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Late payment entries are not correct. I have no records supporting this. Please reinvestigate and remove false notations from my file. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Erroneous late payment. Please provide complete validation from the original creditor or delete this inaccurate information. 
XXXX XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} Wrongly reported late payment. I request this be corrected to reflect accurate payment status and history. 
XXXX XXXX  Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$6100.00} I do not recognize this account. I have never entered into any agreement with this company. Please provide verifiable proof of ownership and contractual agreement. If the account can not be validated, it must be deleted as inaccurate and unverified. 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$1700.00} This Collection account does not belong to me. Please provide documentation from the original creditor linking me to this debt. In the absence of verification, this must be removed immediately under FCRA 609 ( a ) and 611. 
XXXX XXXX  Acct : XXXX Date Opened : XX/XX/XXXX | High Balance : {$1600.00} I have no record or knowledge of this collection account. It appears to be inaccurate or possibly fraudulent. Please verify ownership, amount, and source. If such proof can not be provided, delete this account from all credit records.

Summary of Violations 1. Reporting unverifiable and inaccurate personal information ( wrong addresses ).

2. Reporting false late payments on active accounts without evidence.

3. Failure to validate alleged debts before reporting ( collections and charge-offs ).

4. Violation of consumer rights under FCRA 607 ( b ), 611 ( a ), 616 and FDCPA 807, 809.

These errors have significantly harmed my credit score and reputation. I have made multiple good-faith efforts to resolve these issues directly with the credit bureaus and furnishers, but they remain unresolved. I am now seeking the CFPBs assistance to enforce compliance and hold the responsible furnishers and bureaus accountable. 
Requested Resolution Immediate deletion of all unverifiable and inaccurate accounts and addresses.

Full reinvestigation and correction of all reporting errors.

Written confirmation from all three bureaus ( Experian, XXXX, and XXXX  ) after updates.

Enforcement action against the furnishers and agencies that fail to comply with the FCRA and FDCPA. 
Thank you for your attention to this matter. I have attached copies of my identification, proof of address, and prior dispute letters for your review. Please contact me directly if you require any further documentation.

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