Consumer complaint received 2025-07-28 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:
To Whom It May Concern, I am submitting this formal complaint against multiple furnishers and consumer reporting agencies ( CRAs ) for violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and related consumer protection laws. My credit report contains serious inaccuracies including wrong addresses, misreported accounts ( charge-offs/late payments ), and unauthorized hard inquiries which I have repeatedly disputed without proper resolution. 
XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : I am not connected to this address in any way.

Law : FCRA mandates accuracy ( 15 U.S.C. 1681e ( b ) ).

Story : The presence of this false address is troubling. It raises concerns about the potential misuse of my personal data. Due to this inaccuracy, I was wrongly flagged during a rental background check, costing me a place to live. This mistake directly impacted my housing situation. 
XXXX XXXX XXXXXXXX XXXX XXXX CHARGE OFF * * Issue : This account shows {$0.00} balance but is marked as charged off. 
Law : Under FCRA 1681s-2 ( b ), data furnishers must correct inaccuracies.

Story : This account was paid in full, yet it continues to damage my report by reflecting as a charge-off. It is deceptive and presents me as financially irresponsible despite my efforts to maintain good standing. This has disqualified me from auto loans and caused embarrassment during applications. 
XXXX XXXX XXXXXXXX XXXX XXXX  CHARGE OFF * * Issue : Same as above {$0.00} balance but listed as charged off. 
Law : FCRA 623 requires fair and accurate reporting.

Story : After settling this account directly with the credit union, I expected it to be updated. Instead, it continues to reflect negatively. This inconsistency has hurt my ability to qualify for new accounts, despite my financial obligations being fulfilled. 
XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT * * Issue : I dispute this late payment as inaccurate. 
Law : Under FCRA 1681i, consumers may dispute any inaccurate item. 
Story : During the reported month, I was undergoing XXXX and had made prior arrangements with XXXX. They failed to honor that agreement and reported me late, which was not only unfair but also inhumane under the circumstances. 
XXXX XXXX XXXXXXXX XXXX XXXX  CHARGE OFF * * Issue : Charged off despite prior payments and settlement. 
Law : FCRA 1681e ( b ) ensures accuracy in reporting.

Story : I had negotiated with XXXX XXXX and agreed on a payoff. However, they reported it as charged off without reflecting the resolution. This has caused a severe hit to my score even though I did my part to clear the debt. 
XXXX XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT * * Issue : Payment marked late despite confirmed hardship agreement. 
Law : ECOA and FCRA 1681s-2 ( b ) support fair reporting during hardship.

Story : I was impacted by a family emergency and had an agreement in place with XXXX XXXX. They reneged on that understanding and reported me late, which added emotional pain to an already difficult time. 
XXXX XXXXXXXX XXXX XXXX  CHARGE OFF * * Issue : Reported charge off with {$0.00} balance. 
Law : FCRA 623 ( a ) ( 2 ) states inaccurate data must be corrected.

Story : I had closed this account after repayment. It should not be showing a charge-off. My character and payment history are being unfairly questioned in every financial review due to this outdated and misleading status. 
XXXX XXXX XXXXXXXX XXXX XXXX  CHARGE OFF * * Issue : Account settled, but still reported as charged off. 
Law : FCRA 1681s-2 ( b ) obligates corrections after settlement.

Story : This has remained on my report unjustifiably. Even after confirming closure with XXXX, the charge-off remains and continues to haunt me during mortgage pre-approvals. 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  CHARGE OFF * * Issue : Account reported as charged off without updated balance. 
Law : Reporting unresolved or outdated statuses violates FCRA 623. 
Story : I contacted XXXX XXXX  several times to correct this. My reputation as a responsible consumer is being unjustly harmed. This report undermines the credibility I have worked to restore. 
XXXX XXXXXXXX XXXX XXXX  CHARGE OFF * * Issue : Inaccurate charge-off still reporting. 
Law : FCRA requires full reinvestigation upon consumer dispute. 
Story : Discovers reporting practices have made it almost impossible for me to gain new lines of credit, even though I satisfied the debt long ago. This false charge-off is punitive and illegal. 
XXXX XXXX XXXX XXXX XXXX CHARGE OFF * * Issue : Account settled, reported as charged off. 
Law : FCRA 1681e ( b ) mandates current and accurate reporting. 
Story : Despite resolving this with XXXX directly, the charged-off label remains. This oversight has resulted in higher interest rates and reputational damage. 
XXXX XXXX XXXX XXXX XXXX CHARGE OFF * * Issue : Charged off after resolution. 
Law : Data furnishers are obligated to maintain accuracy under FCRA 623 ( a ).

Story : After making full payment, I expected this account to reflect positively. Instead, it still says charged off, harming my score unjustly. 
XXXX XXXX XXXX INQUIRY ON XX/XX/year> Issue : Unauthorized pull on my credit. 
Law : FCRA 604 strictly prohibits inquiries without consumer initiation.

Story : This entry has no backing by an application or agreement. It was never explained or consented to. The impact on my report is unjustified and harmful. 
XXXX XXXX XXXX INQUIRY ON XX/XX/year> Issue : I did not authorize this dealership to run my credit. 
Law : Unpermitted inquiries violate FCRA and FTC enforcement guidelines.

Story : I visited the dealership casually with no intent to finance. They ran my credit without explicit permission, which is unethical and illegal. 
XXXX XXXX XXXX INQUIRY ON XX/XX/year> Issue : Inquiry was unauthorized. 
Law : FCRA mandates written authorization for hard pulls.

Story : I have no business with this company. This inquiry appeared without any transaction or communication from me. It raises identity misuse concerns. 
XXXX XXXX  XXXX INQUIRY ON XX/XX/year> Issue : No application made, yet inquiry appeared. 
Law : FCRA 604 requires a legitimate credit application or consent. 
Story : I have not dealt with XXXX  XXXX XXXX in recent years. I believe this was made in error or fraudulently. I am deeply concerned and request immediate removal. 
XXXX XXXX XXXX XXXX INQUIRY ON XX/XX/year> Issue : No consent given for credit check. 
Law : Per FCRA, this inquiry should be removed due to lack of permissible purpose.

Story : I did not authorize this inquiry. This has damaged my credit score and caused trust issues with lenders who now question my inquiry history. 
REQUEST FOR CFPB ACTION : I have exhausted my efforts by disputing with the CRAs and furnishers directly, yet no satisfactory resolution has been provided. These violations are ongoing, and I request the CFPB to : 1. Investigate the furnishers and CRAs for failure to maintain accurate credit reporting as required under the law 2. Order permanent deletion of all false addresses, unauthorized inquiries, and inaccurately reported account information 3. Ensure my credit reports are updated across all bureaus : Experian, XXXX, and XXXX 4. Take enforcement action if repeat violations or willful negligence are discovered

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