Consumer complaint received 2025-10-17 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:
I am writing to formally submit a complaint regarding multiple inaccuracies, improper reporting, and questionable collections listed on my credit report. Despite my prior efforts to dispute these issues directly with the respective creditors and credit reporting agencies, these matters remain unresolved. The following entries are either incorrect, outdated, or reflect inaccurate payment histories : Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments and Charge-Offs : XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment, High Balance : {$240.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge Off, High Balance : {$850.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Charge Off, High Balance : {$760.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge Off, High Balance : {$430.00}, Date Opened : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Charge Off, High Balance : {$940.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Charge Off, High Balance : {$390.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, High Balance : {$720.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off, High Balance : {$500.00}, Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off, High Balance : {$11000.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off, High Balance : {$16000.00}, Date Opened : XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance XXXX {$9300.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$730.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$970.00}, Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$370.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$120.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00}, Date Opened : XX/XX/XXXX Inquiry : XXXXXXXX XXXX Date : XX/XX/XXXX These entries are either factually incorrect or reported inaccurately, causing significant damage to my creditworthiness and creating undue stress. I request that the CFPB investigate these accounts thoroughly, ensure their removal or correction if found inaccurate, and provide me with written confirmation of the resolution. 

I am attaching all relevant documentation to support my claims, including account statements, prior dispute letters, and any correspondence with the creditors. 

Please treat this matter as urgent. I expect that the CFPB will take immediate action to ensure the integrity and accuracy of my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this serious matter. I look forward to your prompt response.

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