Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : 1. Incorrect Account Reporting SYNCB/Care Credit Account Number : [ Insert Account Number ] Reported as charge-off with inaccurate balance and delinquency. I never received proper notification or validation of this debt.

Violations : o FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must provide accurate information.

o FDCPA 807 : Prohibition against false or misleading representations. 
XXXX XXXX XXXX Account Number : [ Insert Account Number ] Balance and payment status do not match my records. No debt validation was provided despite requests. 
Violations : o FCRA 609 ( a ) ( 1 ) : Right to access debt information.

o FDCPA 809 : Right to debt validation. 
XXXX  XXXX XXXX Account Number : [ Insert Account Number ] Account was settled, but still reported as charged-off with outstanding balance.

Violations : o FCRA 605 ( a ) ( 5 ) : Prohibits reporting obsolete information.

o FDCPA 807 ( 2 ) ( A ) : Misrepresentation of debt amount. 
XXXX XXXX XXXX Account Numbers : [ Insert All Relevant Account Numbers ] Accounts are inaccurately reported as open and delinquent despite being closed years ago.

Violations : o FCRA 611 : Right to dispute inaccurate information.

o FCRA 605 ( c ) ( 1 ) : Prohibition on reporting outdated accounts. 
Dept of EducationXXXX Account Number : [ Insert Account Number ] Account was in forbearance/deferment, yet late payments are reported inaccurately. 
Violations : o FCRA 623 : Furnishers must report accurate information.

o FDCPA 807 : Prohibition against misleading representations. 
XXXX, XXXX, XXXX Account Numbers : [ Insert Account Numbers ] Debt validation requests ignored ; accounts inaccurately reflect late payments or balances. 
Violations : o FDCPA 809 : Validation of debts required.

o FCRA 611 : Duty to correct inaccurate information.

2. Incorrect and Outdated Address Information The following addresses are inaccurately listed on my credit report and do not correspond to my current or past residences : XXXX XXXX XXXX, XXXX XXXX, TX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These incorrect addresses cause confusion and may lead to wrongful credit decisions. Under FCRA 609 and 611, I have the right to request accurate and complete information, including personal data such as address history.

3. Unauthorized or Questionable Credit Inquiries The following hard inquiries have been made on my credit report without my explicit authorization or proper notification : XXXX inquiries on XX/XX/year> and XX/XX/year> XXXX  inquiries on XX/XX/year> XXXX XXXX inquiry on XX/XX/year> Under FCRA 604, furnishers and creditors must have a permissible purpose to pull my credit report. I request verification of the purpose of these inquiries and removal of any unauthorized or fraudulent pulls.

Request for Action : Conduct a thorough investigation of all the above disputed accounts and inquiries.

Remove or correct all inaccurate, outdated, or unverifiable information in compliance with FCRA 611. 
Provide me with updated credit reports reflecting corrections. 
Cease any further reporting of inaccurate data. 
Confirm in writing your resolution of this complaint within the legally mandated timeframe. 
Failure to comply with federal laws protecting consumers credit information not only harms my financial wellbeing but also constitutes a violation subject to regulatory enforcement. 
Please treat this matter with urgency. 
Thank you for your prompt attention to these serious concerns.

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