Consumer complaint received 2025-09-03 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:
I am writing to submit a formal complaint regarding multiple inaccuracies and harmful items being reported on my credit report, which are negatively affecting my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

I have identified the following issues on my credit file : 1. Incorrect Address Reporting : XXXX XXXX XXXX, XXXX, FL XXXX Incorrect XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Under FCRA 611 ( a ) ( 1 ), I have the right to dispute inaccurate information, and credit reporting agencies are required to investigate and correct any inaccuracies. 

2. Late Payments : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$2000.00} XXXX XXXX These late payments are being reported incorrectly and do not reflect my actual payment history. Under FCRA 609 ( a ) ( 1 ), I am entitled to verification of all items reported on my credit file, and any unverifiable entries must be removed. 

3. Collections Accounts : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX XXXX These collections accounts are inaccurately reported or duplicative, and may violate FCRA 1681s-2 ( a ) and FDCPA 1692e, which prohibit reporting false or misleading information. 

4. Charge-Off Accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX  These charge-offs are inaccurately reported and have not been properly verified as required under FCRA 611 ( a ). 

5. Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my authorization, in direct violation of FCRA 604 ( a ), which limits access to credit reports to authorized parties for permissible purposes only. I demand their immediate removal from my credit file. 

Request for Relief : I respectfully request that the CFPB assist in ensuring that : All incorrect addresses, late payments, collections, and charge-offs are thoroughly investigated and corrected or removed. 

All unauthorized inquiries are immediately deleted from my credit report. 

My credit report is updated and accurate in accordance with federal law.

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