Consumer complaint received 2025-07-17 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:
To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to my consumer credit file. I am a victim of false address reporting, unauthorized hard inquiries, and inaccurate account reporting by furnishers and credit bureaus. These actions have severely damaged my credit standing and caused significant hardship in my personal and financial life.

I have never authorized many of the items currently appearing on my credit reports, and despite my prior efforts to resolve these issues, they remain unresolved. This letter supplements a prior complaint that is still under review by the CFPB. 
Below are the details of each disputed item : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$9900.00} | Status : Collection Issue : This is a third-party collection account reported without providing validation or any original documentation proving ownership or liability. The debt is reported with an inflated balance and no proof of legal assignment. 
Law : FCRA 609 ( a ) ( 1 ), 611 ( a ) ; FDCPA 809 ( b ) ; 15 U.S.C. 1681e ( b ) Story : I have never received a legally required validation notice or a copy of the original signed agreement establishing this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX must provide a detailed breakdown of the alleged debt, including proof of ownership from XXXX XXXX. Reporting this without verifying its legitimacy and accuracy constitutes a serious violation of FCRA and FDCPA. Any unverifiable tradeline must be removed. This account is damaging my credit and remains unproven. I am requesting immediate deletion if XXXX can not provide legal documentation and full itemization. 
XXXX Account # : XXXX Date Opened : XX/XX/XXXX | Balance : {$30000.00} | Status : Charge-Off Issue : This charge-off is being reported without proper accounting, and it shows an inflated, outdated balance. No original contract or breakdown of charges has been provided. 
Law : FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ; 15 U.S.C. 1681i ; Metro 2 Compliance Guidelines Story : I do not recognize this amount, and XXXX has failed to provide any detailed documentation supporting the full amount or verifying the accuracy of this tradeline. There has been no evidence of the original agreement, monthly payment history, or legitimate charge-off date provided. According to FCRA and Metro 2 compliance rules, all credit reporting must be fully accurate and verifiable. Reporting outdated or unverifiable information is unlawful. Unless this account can be verified with complete documentation and corrected immediately, it must be permanently deleted from my credit report.

RELIEF REQUESTED I respectfully request the CFPB to : 1. Investigate the unauthorized credit inquiries and require the furnishers to prove permissible purpose.

2. Direct the credit bureaus to delete the inaccurate addresses, inquiries, and account records if the furnishers can not provide proper validation. 
XXXX. Hold furnishers accountable for violations of FCRA and FDCPA, including possible fines and corrective action. 
XXXX. Provide written confirmation to me once the records have been deleted or corrected. 
XXXX. Issue appropriate enforcement against repeat violators or data furnishers engaging in systemic neglect. 
These violations are serious, repeated, and harmful, and I am requesting immediate attention to prevent further damage to my financial future. I am happy to provide supporting documentation or identification verification upon request. 
Thank you for your time and assistance.

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