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: FL

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to bring to your attention a series of inaccurate, unverifiable, and damaging entries reported on my credit reports by several furnishers and credit reporting agencies. Despite multiple attempts to resolve these issues directly with the credit bureaus and furnishers, I have not received any resolution or proper response. These entries are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and I am now seeking CFPBs help in removing them and holding the furnishers accountable. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address does not belong to me and was never my residence. Its presence on my report violates FCRA 1681e ( b ) which requires credit bureaus to maintain accurate and up-to-date information. 
Story : I have never lived at this address, nor have I authorized its association with any credit accounts. This is severely damaging to my identity and creditworthiness and could be the result of mixed or merged credit files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate payment reporting. I have made payments on time and never received proper notification of any delinquencies. 
Law : FCRA 1681s-2 requires furnishers to report accurate payment history. 
Story : Due to system errors and miscommunication, my payments were not properly credited. I have attempted to resolve this directly with the creditor without success. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Issue : Debt is duplicated and unverifiable. 
Law : FCRA 1681i, and FDCPA 809 ( b ) give me the right to request validation and demand removal of unverified debt.

Story : This account has been listed multiple times under different names and account numbers, which is a clear indication of inaccurate reporting or portfolio mismanagement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unauthorized account, never opened or used by me. 
Law : FCRA 1681e ( b ) inaccurate information must be removed if found unverifiable.

Story : This account was reported without my knowledge or consent and has damaged my score significantly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I have no affiliation with this company or any transaction with them. 
Law : FCRA XXXX mandates a reinvestigation of disputed items. 
Story : Its painful to see unfamiliar and erroneous debts haunting my profile without any just cause. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate reporting, incorrect account details. 
Law : FCRA 1681s-2 ( a ) prohibits furnishing false data. 
Story : How can the same debt be reported under different names and accounts? This confuses lenders and unfairly damages my credibility. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate and inaccurate. 
Law : FCRA 1681c-2 ( a ), FDCPA 809 Story : This debt has already been disputed but keeps resurfacing in different forms, leading me to believe my file is being handled recklessly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account balance and dates are inconsistent. 
Law : FCRA 1681e ( b ) accuracy in data is mandatory.

Story : Ive received no valid statements or breakdowns, and this entry continues to hurt my credit score unjustly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate to XXXX XXXX XXXXXXXX, appears to be a recycled debt. 
Law : FCRA & FDCPA protect consumers from repetitive, inaccurate entries. 
XXXX : This is emotionally and financially draining to see the same debt multiple times under different labels. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Appears to be a duplicate to XXXX XXXX  account. 
Law : Reporting the same debt under different furnishers is misleading violation of FCRA 1681s-2. 
Story : Ive never had so many duplicate entries in my life. It looks like my identity is being manipulated for profit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment reporting not aligned with payment records. 
Law : Creditors must update and correct inaccurate information under FCRA 1681s-2. 
Story : Ive always made payments on time, but due to processing delays and bank errors, its reported late. Its unjust. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate and outdated. 
XXXX : Inconsistent reporting violates FCRA. 
XXXX : This is unjustified repetition. I demand a thorough investigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Never received notice, account not recognized. 
Law : FCRA 1681c-2 identity theft protection.

Story : This was not opened by me. It's hurting my report without my consent or signature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Already disputed, still being listed multiple times. 
Law : FCRA prohibits repeated listing of same collection. 
Story : I feel Im being targeted by automated systems that dont respect consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXssue : Excessive, duplicate listings from same company under different numbers. 
Law : FCRA 1681s-2 furnishing of inaccurate information, FDCPA 807.

Story : This looks like debt stacking same amounts, different dates, listed multiple times to destroy my credit. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$470.00} Collection Issue : This collection is inaccurate, unverifiable, and unvalidated under 15 U.S.C. 1692g of the FDCPA. I never received a proper debt validation notice. I have no recollection of this alleged account, and no original creditor agreement has been presented.

Story : This item appeared without any communication or chance to resolve. It is not a debt I recognize. Reporting such collection without validation violates both FCRA and FDCPA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$490.00} Charge Off Issue : This account is inaccurate and contains errors in balance reporting and payment history. It was marked as charge-off without proper XXXX delinquency notice. 
Story : I experienced financial hardship during this period, and XXXX XXXX never offered hardship options or communication. I dispute this entry as it does not reflect a verified, fair process. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$810.00} Charge Off Issue : The debt is reported with multiple inaccuracies and never validated. The account balance is inconsistent, and I have not received proper notice as required under 15 U.S.C. 1681s-2.

Story : This charge-off is harming my credit unjustly. I never agreed to the terms or received any documentation validating the amount or origin of the debt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3000.00} Charge Off Issue : This entry violates the FCRA due to lack of proper notice and failure to verify the account. I made multiple attempts to resolve and requested documentation, but received no response. 
Story : The high balance was inflated with hidden fees and charges. I was misled by terms and attempted to resolve through payment, but the account was still charged off without fair process. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$460.00} Charge Off Issue : This account is obsolete and inaccurate under FCRA 605 ( a ), as it exceeds the 7-year reporting limit or is nearing it. No validation was ever provided.

Story : I do not remember having an account with this entity. This charge-off appeared years later and was never notified to me during the active period. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$110.00} Charge Off Issue : This is a small balance account reported as a charge-off within months. This violates reasonable investigation standards under 15 U.S.C. 1681i ( a ).

Story : I attempted to settle this balance but was not given the opportunity. The item was charged off prematurely, and I was never contacted properly about it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1700.00} Charge Off Issue : This charge-off is dated and partially inaccurate. It contains reporting errors regarding the high balance and terms. 
Story : I faced medical emergencies and temporary job loss during this period. This was not reflected or considered during the reporting process. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$470.00} Charge Off Issue : The account was closed and reported as charge-off without proper notification or resolution offer. No hardship programs were communicated. 
Story : I reached out for assistance during COVID-related hardship but received no response. Reporting this as a charge-off while ignoring my outreach is unfair and harmful. 
XXXX XXXX XXXX XX/XX/XXXX inquiry Issue : This inquiry was not approved by me and appears fraudulent. 
Story : I had no interaction with XXXX XXXX. I demand an investigation into how and why this inquiry occurred. 
XXXX Requested : Immediate removal of all unvalidated and inaccurate collection/charge-off accounts Deletion of all unauthorized inquiries from my credit report Enforcement action or penalty against the entities violating FCRA/FDCPA Written confirmation of investigation results and deletion status Updated copy of my credit report reflecting corrections I respectfully request the Consumer Financial Protection Bureau to investigate these violations and help me restore the accuracy and integrity of my credit file. I am suffering ongoing emotional and financial harm due to these false and misleading reports.

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