Consumer complaint received 2025-07-25 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 against the credit reporting agencies and associated furnishers due to multiple inaccurate, unverifiable, and damaging items currently listed on my credit reports. These items are violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and are causing significant harm to my financial life. I am requesting the CFPBs urgent assistance in investigating and resolving the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I have never lived at this address, nor have I authorized its use in any credit application. It is completely inaccurate and may have resulted from identity confusion or clerical errors by a data furnisher.

Law : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Story : I noticed this address on my report while applying for a mortgage and was shocked and embarrassed to have to explain an address I have no connection to. This misinformation is damaging my credibility and delaying my financial progress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This is another false address being reported without my knowledge. I have no residential, rental, or employment ties to this location. 
Law : Under FCRA 604 ( a ), a credit bureau must ensure the data provided is with proper authorization and purpose. 
Story : I was questioned by a lender about this address, and it made me feel like my identity had been compromised. This kind of inaccuracy causes unnecessary suspicion and damages my ability to obtain fair credit consideration. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account is not mine. I have never received notice, billing, or validation of this debt. The balance is unfamiliar, and I never authorized any collection to be opened under my name. 
Law : FDCPA 809 requires debt collectors to send written validation of debt within 5 days of first contact. FCRA 611 demands a full reinvestigation upon dispute. 
XXXX : This entry is hurting my credit score and preventing me from qualifying for a vehicle loan I urgently need to commute to work. Ive never even heard from XXXX XXXX, and yet my life is being affected every day by this false entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I was never notified of any late payment, and I have not received a single billing statement showing a delinquency. I suspect this is either an error or the result of misapplied payments. 
Law : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of credit data must report accurate and complete information. 
XXXX : This unexpected late mark dropped my score by over XXXX points during a home rental application, causing me to lose the unit I had secured. I suffered financial loss and emotional distress due to this inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I was unaware of this charge-off. I was never contacted or informed that the account had gone delinquent. No final accounting, itemized statements, or right to dispute was provided. 
Law : FDCPA XXXX prohibits false and misleading representations. FCRA XXXX entitles me to see all information on file, which I have not received. 
Story : My employment was disrupted due to illness, and I attempted to communicate and settle any obligations. Instead, this entry appeared without warning, deeply damaging my score and my peace of mind. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This is a duplicate of the previously listed XXXX XXXX entry, showing the same amount and nature of debt. Duplicate reporting is unlawful and unfairly worsens my credit profile. 
Law : FCRA 607 ( b ) prohibits duplicate or misleading entries. 
Story : Seeing the same debt reported multiple times causes unnecessary harm. It makes it look like I owe more than I do. This is confusing and financially damaging. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Same as above, this is another duplication of a collection already listed. It violates fair reporting practices and misrepresents the extent of my debt. 
Law : FCRA 623 prohibits multiple reporting of the same delinquency under different identifiers. 
Story : I have been denied credit because it appears I have multiple charge-offs when in fact its XXXX account reported repeatedly. This is abusive. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I never received repossession notices, final balance breakdown, or chance to cure. This charge-off was done without fair process or due notification. 
Law : FCRA XXXX and state-level repossession laws require clear disclosures and fair process. 
Story : I lost my job due to the pandemic and was working on a payment plan. I was blindsided when the vehicle was reported as a charge-off without final communication. It has devastated my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I never authorized this inquiry and did not apply for credit with this company. 
Law : FCRA 604 ( a ) ( 3 ) requires inquiries to be made only with permissible purpose and prior consent. 
Story : I work hard to monitor my credit and only apply when necessary. This inquiry appeared without my knowledge and makes me feel violated and vulnerable. 
HARD INQUIRY XXXX XXXX XXXX XX/XX/XXXX Issue : I have not applied for any student loan or XXXX XXXX services on or near this date. 
Law : FCRA 604 ( a ) ( 3 ) prohibits unauthorized inquiries. 
Story : Every inquiry impacts my score and public profile. This one makes it look like XXXX applying for loans I didnt want or need. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not give permission or initiate any application that would justify this inquiry. 
Law : FCRA 604 requires express consent.

Story : This unauthorized activity raises concerns of identity fraud. I work hard to rebuild, and someone elses mistake or misuse should not derail me. 
I have already contacted the credit bureaus with no adequate resolution. I am suffering due to these unlawful reports, and I request immediate help from the CFPB to stop this ongoing harm. I am enclosing supporting documentation ( dispute letters, ID, proof of residence, etc. ) and request your team to take appropriate enforcement action.

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