Consumer complaint received 2025-08-05 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 regarding multiple inaccurate, unverifiable, and unauthorized items being reported on my credit file by various data furnishers and credit reporting agencies ( XXXX, Experian, and XXXX  ). These inaccuracies have significantly affected my financial stability, creditworthiness, and overall well-being. I have attached supporting documentation and I respectfully request a thorough investigation and appropriate corrective action. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Never lived at this location.

Law : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Story : I am a victim of misreporting, and this address may be linked to fraudulent activities or mistaken identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Not my current or past residence.

Law : FCRA 609 gives me the right to request proof of the reporting accuracy. 
Story : I have submitted rental applications that have been rejected because of incorrect addresses like this on my credit report. 
XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX Balance : {$62.00} Issue : This account is inaccurate and unverifiable. I do not owe this debt.

Law : FCRA 609 ( a ) ( 1 ) grants me the right to request validation of any debt reported. 
Story : I have received no communication regarding this debt, and it was never disclosed to me prior to its appearance on my report. 
XXXX XXXX XXXX XXXXXXXX Collection Date Opened : XX/XX/XXXX Balance : {$830.00} Issue : No prior notice or validation of debt.

Law : FDCPA 809 requires debt collectors to validate the debt upon request.

Story : This collection was a shock to me. Its possibly the result of a billing error that spiraled out of control without my knowledge. 
XXXX XXXX XXXX XXXXXXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payment was reported in error despite automatic payments being set up. 
Law : FCRA 1681s-2 ( a ) ( 1 ) prohibits reporting information with knowledge of errors. 
Story : I set up auto-pay and was assured payments would be on time. Due to their system failure, my credit score was harmed. 
XXXX XXXX XXXX XXXXXXXX Collection Date Opened : XX/XX/XXXX Balance : {$230.00} Issue : No notice of debt and no validation provided.

Law : Per FDCPA 809 ( b ), the collector must provide validation upon written request. 
Story : I was unaware of this debt and have never received any documentation verifying its legitimacy. 
XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Duplicate unauthorized hard inquiry.

Law : FCRA 604 mandates consumer consent before credit pulls.

Story : This inquiry has lowered my score unfairly and I demand its removal. 
XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Issue : XXXX inquiry within XXXX day without clear permission. 
Law : Multiple unauthorized pulls violate FCRA and can be seen as harassment under FDCPA. 
Story : I feel that my personal information was accessed without my knowledge, and this has caused me financial distress. 
XXXX XXXX Date : XX/XX/XXXX Issue : I did not apply for a XXXX credit account. 
Law : Unauthorized inquiry violates FCRA 604. 
Story : I believe this was a fraudulent application attempt. It has led to confusion and delay in my real financial applications.

Request for Relief : I respectfully request that the CFPB investigate these issues and direct the relevant credit reporting agencies and furnishers to : 1. Delete all incorrect addresses listed above from my credit profile 2. Remove or correct all inaccurate, unverifiable, and unauthorized accounts and collections 3. Delete all unauthorized hard inquiries that were made without my consent 4. Provide written confirmation of each correction 5. Ensure that all future reporting complies with the FCRA and FDCPA This matter is urgent and is severely impacting my financial recovery, mental health, and ability to secure housing, employment, and credit. I am simply asking for what the law guarantees me : a fair, accurate, and verifiable 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