Consumer complaint received 2025-07-15 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:
Request for Investigation and Removal of Inaccurate Eviction Entry from Credit Report XXXX Complainant Information : Name : XXXX XXXX Address : XXXX river XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX : XXXX Summary of Complaint : I am submitting this complaint to formally dispute an eviction-related entry appearing on my credit report, which I believe to be inaccurate, misleading, and in violation of federal law. The entry is causing undue harm to my creditworthiness and housing prospects. 

- Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. The eviction entry in question contains [ describe the inaccuracye.g., incorrect dates, amounts, or identity ].

- FCRA 15 U.S.C. 1681i ( a ) : I exercised my right to dispute the information directly with the credit bureaus. However, the furnisher failed to conduct a reasonable reinvestigation or provide verification.

- FCRA 15 U.S.C. 1681s-2 ( b ) : Furnishers of information are required to investigate disputes forwarded by credit bureaus. The continued reporting of this eviction violates this provision. 
- XXXX XXXX XXXX ( if applicable ) : If the eviction stems from a court judgment, I request verification that the judgment is valid, enforceable, and not expired under applicable state statutes of limitations. 
- XXXX XXXX ( e.g., Florida Statutes XXXX ) : If the eviction occurred in Florida, I request confirmation that the landlord followed proper legal procedures, including notice and court filings. Any deviation may render the eviction invalid. 

I respectfully request that the CFPB : - Investigate the accuracy and legality of the eviction entry. 
- Require the credit reporting agencies and furnishers to provide full documentation verifying the entry. 
- Remove the eviction from my credit report if it can not be verified or was reported in violation of the FCRA. 
- Ensure compliance with all applicable federal and state laws. respectfully demand that the CFPB : - Conduct a full investigation into the eviction entry reported on my credit file. 
- Require the credit reporting agencies and furnishers to produce documented and legally admissible proof that the eviction occurred and was reported in full compliance with the Fair Credit Reporting Act and applicable state laws. 
- Permanently delete the eviction entry from all consumer reporting records if : - It can not be verified with appropriate documentation, - It was inaccurately or unlawfully reported, or - It exceeds the legally permitted time limit for reporting derogatory information ( typically 7 years per FCRA 15 U.S.C. 1681c ( a ) ). 
- Enforce regulatory compliance to prevent further violations and harm to my creditworthiness. 


Signature : XXXX XXXX

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