Consumer complaint received 2025-10-28 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 filing this formal complaint against several furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit report. These inaccuracies have caused significant harm to my creditworthiness, reputation, and financial opportunities. Despite multiple attempts to resolve these issues, they continue to remain on my credit file in direct violation of my consumer rights under 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1692e.

1. Wrong Addresses Reported The following addresses are incorrect and must be immediately deleted as they do not belong to me and are being falsely associated with my identity : XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Wrong Address These addresses are causing confusion and possible mixed credit file issues. I have never lived or received mail at these addresses, and their inclusion violates the FCRA requirement for accurate consumer file maintenance under 15 U.S.C. 1681e ( b ).

2. Inaccurate Account Information The following accounts are reported incorrectly, inaccurately, or without proper validation and must be immediately investigated and deleted : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Each of the above accounts has been reported inaccurately either in date, status, or balance and in some cases, without proper validation or written verification from the creditor. Under 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate disputed information within 30 days and delete unverifiable data.

Furthermore, furnishers must report only accurate and complete information as per 15 U.S.C. 1681s-2 ( a ).

3. Unverified Inquiries The following inquiries were made without my authorization or permissible purpose under 15 U.S.C. 1681b ( f ) : 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 These inquiries are damaging my XXXX XXXX and are clear violations of the FCRA. I request their immediate removal unless verifiable proof of my written authorization is provided. 

4. Legal Basis for My Complaint Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum accuracy in credit reporting.

15 U.S.C. 1681i ( a ) Consumers have the right to dispute inaccurate or unverifiable information, and bureaus must correct or delete it within 30 days.

15 U.S.C. 1692e Debt collectors are prohibited from using any false, deceptive, or misleading representations in connection with the collection of any debt.

15 U.S.C. 1681b ( f ) A person may not obtain a consumer report without a permissible purpose.

These entities have failed to uphold their legal obligations, resulting in continued reporting of erroneous information and repeated harm to my credit profile.

5. Requested Resolution I respectfully request that the CFPB : Conduct a full investigation into these violations.

Compel the credit bureaus and furnishers to immediately delete or correct all disputed information.

Enforce penalties for willful noncompliance and negligence.

Provide me with a written confirmation of all corrections and deletions made to my credit file.

Thank you for your attention and prompt handling of this matter. I expect a full response and resolution in accordance with federal law within the allowed statutory period.

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