Consumer complaint received 2025-08-08 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:
b'I am submitting this formal complaint against the following credit reporting agencies and data furnishers for reporting and maintaining multiple inaccurate, unverifiable, and unauthorized accounts, addresses, and inquiries on my credit report, in direct violation of the Fair Credit Reporting Act (FCRA, 15 U.S.C  1681 et seq.) and the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C  1692 et seq.).\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: Wrong Address\nLaw: Under FCRA 15 U.S.C  1681c, consumer reporting agencies must ensure only accurate and verifiable addresses are reported\nStory: I have never lived at this address nor have I ever been associated with it in any capacity this error raises serious privacy and fraud concerns and may be the result of merged or mistaken files this wrong address is damaging my credibility and may link my report to accounts or activity that are not mine I demand immediate deletion of this incorrect address from all credit bureaus without delay\nXXXX XXXX Date Opened: XXXX High Credit: XXXX*\nIssue: Late Payment\nLaw: Per FCRA  623 and  611, I have the right to dispute inaccurate account histories\nStory: This account has been marked with a late payment that I strongly dispute I have documentation that confirms payments were made on time or within grace period yet this negative mark appears unjustly this has caused rejections for rental applications and job screenings I request you verify this account with all supporting documents or immediately delete the tradeline\nXXXX XXXX Date Opened: XXXX High Credit: XXXX\nIssue: Charge Off\nLaw: FCRA  1681s-2(b) requires reinvestigation of disputed information\nStory: This charge off is completely inaccurate I never received proper validation or breakdown of this debt I believe this account is either fraudulent or misreported I never had a contractual agreement with this company nor received communication attempts before the charge off was listed this violates my rights and I request this be removed pending verificationXXXX XXXX XXXX XXXX  Date Opened: XXXX High Credit: XXXX\nIssue: Collection\nLaw: Under FDCPA  809 (15 U.S.C  1692g), debt collectors must provide debt validation\nStory: This collection was never communicated to me and I never received any letters required under FDCPA I have no knowledge of this debt and believe it is incorrect or resulting from a third-party reporting error this has caused stress and unfair denial of basic financial services I request this collection be removed unless fully validated with original documentationXXXX XXXX  Date Opened: XXXX High Credit: XXXX\nIssue: Collection\nLaw: FDCPA  809 & FCRA  611\nStory: I never received notice regarding this account I never agreed to this debt nor was I given a chance to dispute it timely this debt may have been paid or settled long ago or does not belong to me at all I demand immediate validation and reinvestigation failure to do so would be considered a willful violation of consumer protection lawsXXXX XXXX XXXX Date Opened: XXXX High Credit: XXXX\nIssue: Collection\nLaw: FDCPA  809 & FCRA  1681e(b)\nStory: This collector has listed a debt I do not owe I was never contacted before this entry was placed I was never given 30 days to request validation this has impacted my employment background checks and caused significant damage to my credit profile I request deletion of this item unless validated with full documentation from the original creditorXXXX XXXX XXXX Date Opened: XXXX  High Credit: XXXX\nIssue: Charge Off\nLaw: FCRA  611\nStory: This charge off account is disputed I had a temporary financial hardship and was in communication with the creditor I was assured the account would be marked as resolved not charged off I request that this derogatory listing be removed as the agreement was not honored and documentation of hardship and payment attempts are available upon requestXXXX XXXX XXXX XXXX Date Opened: XXXX  High Credit: XXXX\nIssue: Charge Off\nLaw: FCRA  602(A)\nStory: This account was impacted by loss of employment during the pandemic I was in touch with the lender and asked for accommodation yet it was charged off without proper notice this has devastated my credit score and ability to rebuild financial stability I demand full review and reinvestigation under the lawXXXX XXXX Date Opened: XXXX High Credit: XXXX\nIssue: Late Payment\nLaw: FCRA  1681i\nStory: This late payment is being disputed as I made a payment but the system showed an error in posting I provided proof to XXXX  yet they failed to correct the mistake this entry is unjust and must be removed or updated to show current status or timely paymentXXXX XXXX XXXX Date Opened: XXXX High Credit: XXXX\nIssue: Charge Off\nLaw: FCRA  623\nStory: I was making regular payments but suddenly this account was charged off I never received final notice or closure documents I want this entry deleted unless full verification with account statements and payment records are providedXXXX XXXX XXXX XXXX Date Opened: XXXX High Credit: XXXX\nIssue: Charge Off\nLaw: FDCPA  807\nStory: I do not recognize this debt I never agreed to this account and demand full documentation to prove the origin and amount of the alleged debt the charge-off is hurting my file and I request its removal pending verificationXXXX XXXX XXXX XXXXIssue: Inquiry\nLaw: FCRA  604(a)(3)\nStory: This hard inquiry was made without my knowledge or authorization I never applied for credit with this entity this violates my rights and I request this inquiry be removedXXXX XXXX XXXXIssue: Inquiry\nLaw: FCRA  604\nStory: I dispute this inquiry because I never applied for financing from XXXX XXXX  this unauthorized access to my report must be deletedXXXX XXXX XXXXIssue: Inquiry\nLaw: FCRA  604\nStory: This credit check is unauthorized and has damaged my credit profile I request immediate removalXXXX XXXX XXXX XXXXIssue: Inquiry\nLaw: FCRA  604\nStory: I have no account or application with this lender yet they accessed my report this inquiry must be removed under the lawXXXX XXXX XXXX XXXXIssue: Inquiry\nLaw: FCRA  604(a)(3)\nStory: This unauthorized inquiry must be removed as I never gave permission to this company to check my credit\nResolution Sought:\nI request that CFPB investigate these violations and hold the reporting agencies and furnishers accountable. I demand the following:\n\tDeletion of the inaccurate address\n\tDeletion or correction of all inaccurate account information\n\tFull investigation and removal of all unauthorized hard inquiries\n\tFurnishers to provide proper documentation and validation of debts\n\tPenalties or enforcement against violators under FCRA and FDCPA\nThese entries have caused me significant emotional, financial, and professional harm. I have been denied credit, housing, and employment because of these wrongful and unverified entries. I request immediate attention to this matter and written confirmation of investigation results.'

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