Consumer complaint received 2025-07-25 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 filing this formal complaint against multiple furnishers and credit reporting agencies ( CRAs ) for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The information listed below is either inaccurate, unverifiable, duplicated, obsolete, or falsely reported. Despite my good faith efforts to resolve these disputes directly with the CRAs, they have failed to correct or remove the erroneous data. This complaint includes wrong addresses, erroneous account data, duplicate or invalid charge-offs/collections, and unauthorized inquiries, all of which are affecting my credit profile and causing significant harm to my life and livelihood. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : False address damaging credibility Law : FCRA 602 ( A ) ensures fairness and accuracy in reporting Story : I had to spend time and money to prove to a landlord that I did not reside at this address. I missed the opportunity to move into a better home for my family. This incorrect reporting is not just a technical mistakeit impacts real lives. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} * * Issue : Incorrect late payment Law : FCRA 623 ( a ) ( 1 ) ( A ) furnisher must report data accurately Story : I was going through a verified hardship period and had communicated with XXXX  XXXX in advance. I was never notified of a missed payment. This late mark now affects my credit score, and Im denied auto financing and personal loans despite fulfilling obligations to the best of my ability. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} * * Issue : Inaccurate delinquency history Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) duty to provide accurate data Story : I never missed a payment, yet the account was marked late without validation or evidence. This has led to severe damage to my credit and self-esteem. I work hard to maintain my financial obligations, and this false reporting has been devastating. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} * * Issue : Disputed late payment not updated Law : FCRA 609 ( a ) ( 1 ) right to receive and verify data Story : Despite multiple attempts to clarify this issue, XXXX has failed to show any proof of a missed payment. This has led to increased interest rates on all my existing cards, creating a financial snowball thats become overwhelming. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Erroneous delinquency on closed account Law : FCRA 1681e ( b ) CRA must ensure accuracy Story : A closed account with zero balance should never reflect late activity. This is false and misleading. I lost an employment opportunity because a lender flagged this late mark during a background screening. My financial future is being unfairly shaped by inaccurate reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} * * Issue : Invalid charge-off with no debt validation Law : FDCPA 809 ( b ) consumer has the right to dispute and request verification Story : I never received validation or notice for this alleged debt. I feel like my identity has been stolen or mishandled. It is horrifying to see a charge-off linked to my name that I know nothing about. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} * * Issue : Duplicate charge-off and collection Law : FCRA 605B prohibition against duplicate reporting Story : This account appears multiple times in different formscharge-off and collectionwhich is misleading and inflates my debt load. This false appearance is causing denials for credit and causing unnecessary emotional pressure. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} * * Issue : Unverified charge-off still reported Law : FDCPA 807 ( 8 ) prohibits reporting of invalid debt Story : This debt was previously disputed and should have been removed. Its continued presence is evidence of poor data management. I feel harassed and helpless trying to clear my name of debts I never agreed to. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4000.00} * * Issue : Charge-off during hardship without support Law : FCRA 602 ( A ) consumers deserve fair treatment Story : I attempted to arrange modified payments during a family emergency, but XXXX refused to assist and reported a charge-off instead. I felt punished for being honest and trying to find a solution. This lack of humanity is now hurting my credit deeply. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4200.00} * * Issue : Unvalidated third-party debt Law : FDCPA 809 consumer must be informed and validated Story : I was never notified of this debt. It appeared out of nowhere and now sits heavily on my report. I feel violated and in the dark, trying to understand how a stranger 's debt could appear under my name. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Charge-off despite zero balance Law : FCRA 623 furnishers must report accurately Story : This makes no sense. Reporting a charge-off with no balance is misleading to lenders and makes it look like I defaulted on a debt I never owed. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} * * Issue : No effort to resolve before charge-off Law : FCRA 602 ( A ) consumers should be treated fairly Story : I was never given a chance to work out this account. It was charged off without a single notice. Thats not just bad businessits a violation of my rights. 
XXXX XXXX XX/XX/XXXX Issue : No consent for inquiry Law : FCRA 604 must be authorized Story : Another hard pull I did not approve. I am constantly fighting to defend my own report from unwanted damage. 
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Issue : Hard inquiry without application Law : FCRA 604 ( b ) restricts hard pulls to permissible purposes Story : I never applied with this entity. This feels like misuse of my information and has caused a drop in my score for no valid reason. 
XXXX  XX/XX/XXXX Issue : Inquiry not authorized Law : FCRA 604 no permissible purpose Story : I never gave consent for this inquiry. My information is being used without cause, and I demand its removal to protect my credit standing. 
I respectfully request the CFPB investigate these ongoing violations and hold the responsible parties accountable. I have provided ample notice to furnishers and CRAs, and yet these issues remain unresolved. The psychological burden, financial impact, and emotional toll this situation has caused me and my family is unbearable. I request deletion or correction of these errors, and I am open to providing supporting documentation if needed.

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