Consumer complaint received 2025-10-20 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 submitting this formal complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated by the inaccurate and misleading information being reported on my credit profile by various furnishers and credit reporting agencies. These inaccuracies have caused significant harm to my creditworthiness and financial stability. 

Despite my prior efforts to dispute these errors directly with the credit reporting agencies and furnishers, the following items remain unresolved and continue to appear on my credit report inaccurately : 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 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XXXX XXXX XXXX These entries contain multiple factual and reporting errors, including but not limited to : Incorrect or outdated addresses not belonging to me. 

Accounts reported as late or charged off despite not being delinquent. 

Accounts and collection items with questionable or unverifiable dates of opening and balances. 

Duplicate and inconsistent reporting by furnishers. 

These violations are in direct breach of the FCRA ( 15 U.S.C. 1681 et seq. ), which mandates that all information reported must be accurate, verifiable, and complete. The continued reporting of these inaccuracies is damaging my credit reputation, preventing me from obtaining fair access to credit, housing, and employment opportunities. 

I am requesting that the CFPB initiate a full investigation into these matters and compel the responsible data furnishers and credit reporting agencies to : Conduct a proper reinvestigation of each disputed account. 

Provide documentation verifying the accuracy of each entry. 

Immediately delete or correct all unverifiable or inaccurate information. 

I have attached supporting documents, including my credit report excerpts, prior dispute correspondence, and identification verification. 

Please confirm receipt of this complaint and provide updates on the progress of the investigation. I am requesting full remediation under the FCRA and any applicable consumer protection statutes.

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