Consumer complaint received 2025-09-13 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 file a formal complaint against several financial institutions, debt collectors, and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit file. These errors are negatively impacting my creditworthiness and directly violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Below are the accounts and issues I am disputing : Wrong Address Reporting XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX This address is incorrectly tied to my credit file. I never authorized nor resided at the manner it is being reported. 

Late Payments Reported in Error XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$410.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1500.00} | Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX These accounts have been inaccurately marked with late payments. I dispute these entries as I have not been late, and no valid proof has been provided. 

Charge-Offs Incorrectly Reported XXXX XXXX XXXX XXXX High Balance : {$20000.00} | Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  High Balance : {$800.00} | Date Opened : XX/XX/XXXX XXXX XXXXXXXX High Balance : {$24000.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$280.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX These charge-offs are being reported without proper validation, documentation, or lawful notice. Reporting such derogatory items without verification violates FCRA 623. 

Collections Reported in Error XXXX XXXXXXXX XXXX XXXX XXXX {$940.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  {$770.00} | Date Opened : XX/XX/XXXX XXXX XXXX {$1900.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$600.00} | Date Opened : XX/XX/XXXX XXXX  XXXX {$1400.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$170.00} | Date Opened : XX/XX/XXXX These collections are inaccurate, unverifiable, and in some cases reflect future dates that are impossible ( e.g., XXXX entries ). This indicates gross negligence and reporting errors. 

Unverified and Excessive Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request a full investigation into their legitimacy. 

My Requests to the CFPB : Investigate these creditors, furnishers, and bureaus for failing to report accurate and verifiable information. 

Require immediate deletion or correction of all inaccurate addresses, late payments, charge-offs, collections, and unauthorized inquiries. 

Ensure these furnishers provide written documentation validating their reporting, or remove the disputed information in full. 

Hold the reporting agencies accountable for noncompliance with the FCRA and FDCPA.

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