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: MI

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address Issue : This address is not mine and should not be listed on my credit report. 
Story : I have never lived at or been associated with this address. Its presence is an error and could cause mixed file issues.

Law : FCRA 602 ( A ), 607 ( b ) Credit bureaus must assure maximum possible accuracy and remove unverifiable data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue : This is a wrong and outdated address reported under my profile. 
Story : I have no connection to this property and demand its removal to prevent identity confusion.

Law : FCRA 609 ( c ) ( 2 ), 611 ( a ) ( 1 ) ( A ) Entitles me to dispute incorrect information with proof. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account inaccurately reports late payments.

Story : I have made timely payments or resolved this account long ago. The derogatory marking harms my score unfairly.

Law : FCRA 611 ( a ), 607 ( b ) Inaccurate reporting must be corrected or deleted if not verifiable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late payment entry is incorrect and needs verification.

Story : This account was paid or settled. The late status is outdated and misleading.

Law : FCRA 611 ( a ), FDCPA 807 ( 8 ) Inaccurate derogatory reporting is prohibited. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account is listed as charged off, but I do not recognize or owe this debt. 
Story : I never received proper validation for this debt from XXXX XXXX. 
Law : FDCPA 809 ( b ), FCRA 609 ( a ) ( 1 ) Debt collectors must validate debts upon request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account is inaccurately showing late payments. 
Story : I have documentation showing I made timely payments. The current reporting is unfair.

Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : The chargeoff status is not valid.

Story : This account was closed and resolved, but it still reflects negatively.

Law : FCRA 611, 607 Requires verification and accurate updating. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Medical collection placed without prior notice. 
Story : I was never informed of this debt or offered a chance to resolve it before it was reported.

Law : FDCPA 809 ( a ), HIPAA Privacy Rule Notice required before reporting medical debt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Unauthorized collection reporting. 
Story : I disputed this charge directly with XXXX. It should not be placed in collections.

Law : FDCPA 807 ( 8 ), FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Insurance balance placed into collections without consent. 
Story : I never received a final bill from XXXX and was shocked to find this reported. 
Law : FDCPA 809, FCRA 623 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This collection is unverified and possibly a duplicate. 
Story : I attempted to resolve this with the original creditor, but no confirmation was provided. 
Law : FDCPA 809 ( b ), FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Account is showing {$0.00} balance but still listed as chargeoff.

Story : This misleads lenders and hurts my score unjustly.

Law : FCRA 623 ( a ) ( 2 ) ( A ) Furnishers must update status accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account not properly validated, yet reported as chargeoff. 
Story : I have no recollection of this account. No validation was received.

Law : FDCPA 809 ( b ), FCRA 609. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payment reporting.

Story : I had automatic payments enabled. This is likely a reporting error.

Law : FCRA 607 ( b ), 611. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charged off but reflects {$0.00} balance.

Story : This should have been updated to a resolved status.

Law : FCRA 623 ( a ) ( 2 ), FDCPA 807 ( 2 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate reporting under similar names. 
Story : I see multiple XXXX XXXX accounts with similar info, indicating possible duplicate reporting.

Law : FCRA 611, FDCPA 807 ( 8 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Multiple entries from the same agency with similar data.

Story : These may be duplicates or inaccurately inflated obligations.

Law : FCRA 607 ( b ), 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Potentially duplicate or incorrect government debt. 
Story : I need written breakdown of how these balances were calculated.

Law : FCRA 609 ( a ), 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Repetitive reporting from same agency.

Story : I request that these be verified as separate and legitimate debts.

Law : FCRA 611 ( a ), FDCPA 808. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : No notice was provided of chargeoff status.

Story : I was making partial payments before this was reported.

Law : FCRA 623 ( a ), FDCPA 809. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged off but paid years ago.

Story : This should reflect a paid/closed status, not derogatory.

Law : FCRA 623 ( a ) ( 2 ), 611. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : XXXX reporting multiple chargeoffs with conflicting balances.

Story : This and other XXXX  entries may be improperly segmented to inflate debt.

Law : FCRA 611, FDCPA 807. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Conflicting data with previous XXXX  entries. 
Story : I need full validation and account history breakdown.

Law : FCRA 609 ( a ) ( 1 ), 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Government debt possibly outdated or settled. 
Story : No recent activity or contact to justify open chargeoff status.

Law : FCRA 605 ( a ) ( 5 ), FDCPA 809. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged off while payments were in dispute. 
Story : I contacted XXXX XXXX regarding errors before this was reported but was ignored.

Law : FCRA 623 ( a ) ( 1 ) ( B ), 611.

XXXX XXXX XXXX XXXX on XX/XX/year> Issue : Unauthorized hard inquiry. 
Story : I never applied for credit with XXXX XXXX at that time. This was done without consent.

Law : FCRA 604 ( a ) ( 2 ), 609 ( a ) ( 1 ) Hard inquiries must be authorized by consumer. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA 611, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions to protect my rights as a consumer.

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