Consumer complaint received 2025-11-07 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 Consumer Financial Protection Bureau, I am filing this formal complaint against multiple furnishers and credit reporting agencies for inaccurate, misleading, and unverifiable information being reported on my credit report. Despite my attempts to have these errors corrected directly with the credit bureaus, they continue to report false information in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies have caused serious harm to my credit reputation, emotional distress, and denial of financial opportunities. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX Address The following accounts are being disputed for inaccurate, unverifiable, and misleading reporting that does not comply with the standards of accuracy required under federal law. Each of these entries has caused tremendous distress, financial harm, and unjustified damage to my creditworthiness. I am demanding a full reinvestigation, deletion, or correction where applicable. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Charge Off This account is falsely reported as charged off even though I have no knowledge of ever defaulting on this account. The reporting appears inconsistent with my payment records and fails to show any valid verification or contractual evidence. Reporting such a serious derogatory mark without proof constitutes a willful violation of FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Late Payment The late payment history reflected on this account is completely inaccurate. I never missed or delayed payments. Reporting incorrect payment history damages my credibility and is a violation of FCRA 607 ( b ) which requires maximum possible accuracy. Please update this account to show a perfect payment history. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8300.00} Charge Off I have no recollection or records of this alleged account. There is no proof that I ever opened or authorized it. Reporting a charge-off without signed documentation or validation is a breach of my consumer rights under FCRA 611 and 623 ( b ). This account must be deleted immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Late Payment This entry shows late payments that never occurred. I consistently maintained good standing with XXXX and have never been delinquent. I request a complete correction of this account to remove all false late payment notations. 
XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Charge Off I dispute this reporting because I never received any notice of default or charge-off from this lender. There is no record of this debt being validated, and no signed agreement proving liability. This account must be deleted as unverifiable and erroneous. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Charge Off This reporting is highly questionable and damaging. I have no confirmed evidence or billing records that support this account. If the creditor can not verify the accuracy of this charge-off within XXXX  days as required by FCRA 611 ( a ), it must be deleted in full. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Late Payment I dispute the reported late payments as they are completely false. This account should show timely payment history. The inaccuracy directly violates FCRA 607 ( b ), and the creditor must correct this or provide documentation proving any missed payments. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Charge Off I have no recollection of this account being charged off. This entry appears to be an old, unverified, and inaccurate report. The bank has failed to provide any legitimate documentation showing the alleged default. Immediate deletion is requested. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} Charge Off This item is false and unverifiable. I do not acknowledge this charge-off and have never received written notice or account statements verifying this claim. This must be removed from my file for failing to meet FCRA accuracy requirements. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Charge Off I dispute this charge-off as I never defaulted or was informed of such an account. There is no legitimate proof showing this balance or authorization. The furnishers continued reporting without verification violates FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$490.00} Charge Off This is an inaccurate and unverifiable entry. I have never been delinquent on this account, and the creditor has not provided any contractual or billing evidence. Please delete this false report immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Late Payment The late payment notation is entirely false. I have always made payments on time, and this misreporting has drastically lowered my credit rating. This needs to be corrected immediately to show an accurate payment history. 
SUMMARY OF VIOLATIONS XXXX. Violation of FCRA 607 ( b ) Failure to maintain maximum accuracy in reporting. 
XXXX. Violation of FCRA 611 ( a ) Failure to properly investigate disputes and correct inaccurate data. 
XXXX. Violation of FDCPA 809 ( b ) Reporting unvalidated debts. 
XXXX. Violation of FCRA 604 ( a ) ( 3 ) Unauthorized access to my credit report. 
These errors are causing me ongoing financial damage, preventing access to credit, and harming my credibility as a consumer. 
FAIR RESOLUTION REQUEST I respectfully request that the CFPB : Conduct a full investigation into these reporting errors. 
Require the credit bureaus and furnishers to remove all false addresses, unauthorized inquiries, unverified collections, and incorrect late payment entries. 
Ensure compliance with all federal laws to restore my credit report to an accurate and fair state. 
Provide written confirmation of corrective actions taken. 
Thank you for your time and attention to this matter. I am requesting immediate review and resolution under the authority of the CFPB.

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