Consumer complaint received 2025-10-16 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 to the CFPB to report multiple inaccuracies and unlawful reporting practices that have caused significant damage to my credit profile and financial integrity. The following accounts and inquiries have been reported without proper verification, violating several provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. These accounts and inquiries appear to have been placed on my credit report without my consent, proper notice, or validation, and I am requesting a full investigation and enforcement of my rights under federal law.

ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is being reported incorrectly. It does not represent my verified residence record and appears to be attached to accounts that may not belong to me. Reporting of inaccurate address information violates FCRA 607 ( b ), which mandates maximum possible accuracy. Any unverifiable address must be removed to prevent cross-linked or fraudulent data from remaining on my report.

ACCOUNTS XXXX  XXXX Open Date : XX/XX/XXXX | Balance : {$3600.00} | Reported : Late Payment This account is reporting a late payment that I have no verified record of. The furnisher has failed to provide any original signed documents or verified billing records proving this delinquency. Reporting unverifiable data violates FCRA 602 ( A ) and 611 ( a ). If XXXX can not validate with original source records, this item must be deleted for failure to comply with federal reporting standards. 

XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance : {$720.00} | Reported : Late Payment The reported delinquency on this account is inaccurate. I have never received notice or evidence of late payment. Under FCRA 611 ( a ) and FCRA 609 ( a ) ( 1 ), I am entitled to all records used to verify this item. If the furnisher can not produce documentation showing proof of the alleged delinquency, this account must be permanently deleted as unverifiable. 

XXXX XXXX Open Date : XX/XX/XXXX | Balance : {$190.00} | Reported : Late Payment This account is showing a late payment that is inconsistent with my verified payment history. No proof of delinquency has been provided, which is a violation of FCRA 607 ( b ). I demand a full reinvestigation and deletion if validation can not be completed through primary documentation from XXXX XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance : {$0.00} | Reported : Late Payment This account has a XXXX balance and should not report late payments. Continuing to report delinquencies on a closed XXXX-balance account violates FCRA 602 ( A ) and 611 ( a ). Since no late payment can logically exist under these circumstances, I am requesting immediate deletion of this inaccurate entry. 

XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | Balance : {$27000.00} | Reported : Late Payment This new account is being inaccurately reported as late even though I never received notice of delinquency or proof of missed payment. Furnishing data known or suspected to be inaccurate violates FCRA 623 ( a ) ( 1 ) ( A ). I request complete verification, including payment records, billing statements, and proof of alleged late activity. Delete this item if validation can not be achieved. 

XXXX  XXXX XXXX Open Date : XX/XX/XXXX | Balance : {$70.00} | Reported : Late Payment This is a small account that was paid in full and should never report a late payment. Under FCRA 607 ( b ) and FCRA 611 ( a ), unverifiable or inaccurate late reporting must be deleted. Please reinvestigate and remove this entry if XXXX can not verify the information using accurate, original source data. 

XXXX  XXXX Date Opened : XX/XX/XXXX | High Balance : {$2200.00} | Reported : Collection I have no record of any unpaid balance or collection with XXXX. Reporting this as a collection violates FCRA 611 ( a ) and FDCPA Section 807 ( 8 ), which forbid inaccurate or unvalidated debt reporting. If no contract or debt assignment proof exists, this item must be deleted from my credit file. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am disputing these inquiries because I never granted authorization or permissible purpose for any of these companies to access my credit file. Under FCRA 604 ( a ) ( 2 ), consumer reports may only be accessed with explicit consent or legitimate business purpose initiated by the consumer. These inquiries are unauthorized and should be deleted immediately.

I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and expect compliance within the time allowed by federal law. Thank you for your attention and assistance in protecting my consumer rights and ensuring fair credit reporting practices nationwide.

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