Consumer complaint received 2025-08-08 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 to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. 
Address Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is inaccurately reported as associated with my file.

Law : Under the Fair Credit Reporting Act ( FCRA ) 611, I have the right to dispute incorrect personal information.

Story : This address does not belong to me, and its presence on my credit profile suggests a possible reporting error, mixed file, or identity confusion. The ongoing presence of this erroneous address harms my ability to maintain accurate records and obtain credit fairly. 

Account Dispute : WXXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) * * Issue : Late Payment reported that I dispute. 
Law : FCRA 611 ( a ) provides my right to dispute inaccurate negative marks ; creditors must conduct a reasonable investigation. 
Story : I have maintained responsible payment habits. The late payment record does not accurately reflect my payment history. I requested documentation from the creditor, but no true evidence of late payment was provided, supporting my claim this is an error. 

Account Dispute : XXXX XXXXXXXX Issue : Late Payment inaccurately reported. 
Law : Under FCRA and the Equal Credit Opportunity Act ( ECOA ), incomplete or inaccurate data must be promptly corrected. 
Story : Prior notifications went unanswered, and a review of my statements shows no delinquency for the reported period. Due process in dispute handling was not followed, impacting my creditworthiness unfairly. 

Account Dispute : XXXX XXXXXXXX XXXX Issue : Charge Off incorrectly reported. 
Law : FCRA mandates debt verification and accurate reporting. The Fair Debt Collection Practices Act ( FDCPA ) prohibits unverifiable negative items. 
Story : I requested direct verification from XXXX XXXX, but received no documentation. The charge-off is being wrongly attributed, possibly due to mixed files from address errors. Its removal is legally necessary. 

Account Dispute : XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX ) * * Issue : Charge Off not accurate. 
Law : FCRA and FDCPA provide you must delete unverifiable or false debts promptly. 
Story : I dispute owing this amount or account status as charged off. There was a billing dispute that remains unresolved and not adjudicated fairly. Reporting this as a charge off before final resolution is both inaccurate and unjust. 

Account Dispute : XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX ) * * Issue : Large charge off ( {$23000.00} ) erroneously listed. 
Law : The creditor must cease reporting if unable to verify within FCRA timeframes. 
Story : This account has long been contested. My supporting documents show major billing errors, which were never addressed. The charge off is being reported without due diligence or investigative correspondence. 

Account Dispute : XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) * * Issue : Collection status is false.

Law : Under FCRA and FDCPA, collection accounts must be fully substantiated. 
Story : I never received any notice of default or collections letter as required by law. It is possible this is a result of the incorrect addresses listed, leading to missed correspondences. The account must be removed until proper notice and documentation can be verified. 

Account Dispute : XXXX XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) * * Issue : Collection entry should not be listed. 
Law : FCRA 609 requires proof of debt and notice prior to reporting.

Story : Collection efforts and reporting were made without ever contacting me or sending required disclosures. This calls into question the validity of their claim and compliance with all state and federal requirements. 

Account Dispute : XXXX XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX ) * * Issue : Erroneous collection account. 
Law : According to both FCRA and FDCPA, all collections must be legally validated.

Story : This listing appeared suddenly without prior notice, supporting my suspicion of reporting error, possibly due to mixed address information. It is causing severe harm to my credit standing unjustly. 

Account Dispute : XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX ) * Issue : Charged off with {$0.00} credit illogical and false. 
Law : Reporting an account as charged off with no outstanding debt goes against FCRA accuracy standards. 
Story : I never owed any balance on this account. Reporting a charge-off on a zero-balance account is a clear data entry mistake that must be remedied. 

Account Dispute : XXXX XXXX * * ( Date Opened : XX/XX/XXXX ) * * Issue : Charge off incorrectly reported. 
Law : FCRA and FDCPA allow for written dispute and the requirement for supporting documentation. 
Story : Payment issues were resolved, and the account should show as paid or in good standing, not as a charge off. No documents have been shown to prove otherwise. 

Account Dispute : XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) * * Issue : Charge off in error. 
Law : FCRA strictly prohibits unsubstantiated derogatory listings. 
Story : Account records do not match the negative status being portrayed. All payments were satisfied, and no notification was sent of impending charge off, breaking compliance requirements. 

Inquiry Disputes : ADDITIONAL INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unfamiliar inquiries, not authorized by me. 
Law : FCRA 604 prohibits the obtaining of consumer credit reports without permissible purpose or explicit consent. 
Story : These inquiries were never authorized, nor was I contacted for permission regarding my credit file. Such undocumented and unauthorized access invades my privacy and causes unwarranted reduction in my credit score ; it must be investigated and removed.

Requested Relief : I am requesting CFPB 's immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : 1. Delete the wrong addresses from my credit report.

2. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. 
3. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed.

4. Provide evidence of proper investigation and validation from data furnishers or delete the entries.

5. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws.

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