Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ) where applicable, and my consumer rights. This is my second dispute attempt for the same items. My initial dispute with the credit bureaus remains unresolved, and I have not yet submitted to the FTC, but due to continued inaccurate reporting and lack of proper investigation, I am escalating to the CFPB for immediate intervention. The following inaccurate, unverifiable, and duplicate items are causing severe damage to my credit profile : XXXX XXXX XXXX XXXX, MI XXXX Issue : Completely wrong address listed. 
XXXX : 15 U.S.C. 1681c ( a ) requires exclusion of obsolete, irrelevant, or false identification information. 
XXXX : This address is not and has never been mine. Inclusion links my name to unknown debts and accounts, increasing the risk of being wrongly penalized in employment or rental credit screenings and disrupting essential life opportunities. 

XXXX XXXX XXXX XXXX, MI XXXX Issue : Mixed file error with someone elses address.

Law : FCRA Section 604 and 611 stress accurate verification and consumer protection.

Story : This mistake creates an inaccurate residential history. Lenders and background check agencies question my stability, causing repeated requests for extra documentation and delays in application processes. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Late payment wrongly reported against me.

Law : FCRA Section 1681s-2 ( a ) prohibits knowingly furnishing inaccurate data. 
Story : I never opened or agreed to any contract with XXXX XXXX. This false entry paints me as a high-risk borrower to banks and employers, resulting in poor loan terms, lost job opportunities, and reputational damage. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Inaccurate late payment history. 
Law : FCRA Section 605B requires removal of unverifiable records. 
Story : Previous disputes produced no supporting documents, yet negative history affects my ability to qualify for fair credit and stresses my ability to plan financially for the future. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Issue : Unverified charge-off reported. 
Law : FCRA Section 611 mandates prompt reinvestigation and removal. 
Story : No original contract, proof, or debt assignment connects me with this account, but its inclusion drives down my XXXX XXXX, creates a misleading credit risk profile, and subjects me to unnecessary financial hardship. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$310.00} Issue : Account reflects fraud or identity mix ; its not mine. 
Law : FCRA Section 623 ( a ) ( 1 ) requires only correct, truthful reporting.

Story : Despite prior disputes, this error persists. This unjust entry lowers my score, raises borrowing costs, damages my relationships with other creditors, and frustrates my financial growth. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Issue : Duplicate of above account. 
Law : FCRA Sections 604 ( a ) and 607 ( b ) Story : Having identical negative listings discourages lenders, causes redundant damage to my score, and misrepresents the true extent of my credit obligations. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$60.00} Issue : Late payment reported without proof. 
Law : FCRA Section XXXX ( a ) ( XXXX ) requires removal if unverified. 
Story : False reporting on even minor accounts makes me look financially irresponsible, which XXXX result in denied credit, higher interest rates, and an impaired reputation for timely payments. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Issue : Possible fraud or wrong customer linkage. 
Law : FCRA Section 1681e ( b ) for maximum accuracy. 
Story : XXXX XXXX account in my name exists, so this charge-off labels me as an unreliable customer, potentially preventing me from getting mobile services or favorable telecom terms. 

WEBBANK/FINGERHUT XXXX XXXX Opened : XX/XX/XXXX High Credit : {$200.00} Issue : Duplicate and unverifiable negative entry. 
Law : FCRA Section 611 and 604 ( a ) Story : This appears XXXX and as XXXX XXXX. The duplication unfairly penalizes me, lowers my score more than appropriate, and complicates my credit profile. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$440.00} Issue : Balance and charge-off dates do not match official creditor records. 
Law : FCRA Section 607 ( b ) Story : Lenders see conflicting information and XXXX reject my applications based on perceived instability or reliability. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$250.00} Issue : Unjust duplicate entry. 
Law : FCRA Section 607 ( b ) Story : Showing identical negative XXXX accounts twice means my score takes a hit for the same issue XXXX times, discouraging retail creditors from working with me. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$250.00} Issue : Duplicate of above. 
XXXX : The doubled entry makes me look riskier than I am and blocks opportunities for store credit, installment plans, and discounts. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$350.00} Issue : Duplicate account, numbers differ. 
Law : FCRA Section XXXX and XXXX Story : This confusion misstates my debt obligations, impacting future revolving credit applications and risk evaluations. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Issue : Duplicate reporting, differing details. 
Story : Each time this occurs, my score and approval odds decline, compounding financial setbacks. 

THD/CBNA XX/XX/XXXX Issue : XXXX without permission. 
Law : FCRA Section XXXX ( a ) Story : This has led to unfavorable reactions from potential lenders and unnecessary exposure of my information. 

XXXX XXXX XX/XX/XXXX Issue : XXXX done with no permissible reason. 
Law : FCRA Section XXXX Story : Possible misuse or breach puts my identity and security at risk, causing ongoing stress. 

XXXX XXXX XX/XX/XXXX Issue : Unauthorized pull. 
Law : FCRA Section XXXX Story : Multiple inquiries in XXXX day have led to pronounced drops in my score, financial setbacks, and insurance premium increases. 

GLOBAL LENDING SERVICE XX/XX/XXXX Issue : No consent for inquiry. 
Law : FCRA Section XXXX Story : Identity XXXX be compromised based on bulk same-day actions. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA Section XXXX Story : Privacy is breached, risk for identity fraud increases. 

CONSUMER PORTFOLIO SVC XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA Section XXXX Story : I now require extensive monitoring to prevent misuse. 

RELIEF REQUESTED : I am requesting that the CFPB require the credit bureaus and furnishers to : 1. Permanently delete all wrong addresses listed above.

2. Remove all inaccurate, unverifiable, and duplicate account entries.

3. Remove all unauthorized hard inquiries.

4. Provide written confirmation of deletions and corrections within the statutory XXXX period. 
The continued reporting of these items after prior disputes demonstrates willful noncompliance with the FCRA and negligent investigation practices. I am requesting CFPB enforcement action to ensure compliance and restore accuracy to my credit file.

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