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: MI

Complaint narrative:
XXXX"Dear CFPB, I am submitting this complaint under my rights protected by 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., to formally report numerous inaccurate, unverifiable, and unauthorized negative entries on my credit reports, which have caused me severe financial harm, emotional distress, and unjust barriers to credit and housing. These entries violate multiple provisions of federal law and demonstrate gross negligence and failure to comply with legal accuracy and verification standards. The details of each inaccurate entry are as follows:\n Wrong AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: I have never lived at this address. This information is incorrect and misleading.\nLaw: According to FCRA 15 USC  1681e(b), credit bureaus must maintain accuracy. Keeping this address violates that responsibility.\nStory: This wrong address has confused lenders and caused delays in my mortgage pre-approval, resulting in missed opportunities for stable housing. Please remove it immediately.\nAccount: XXXX XXXX XXXX | Opened: XXXX XXXX BalanceXXXX XXXX | Late Payment\nIssue: This account is reporting inaccurate late payments that I strongly dispute. I was facing temporary financial hardship due to medical emergencies and loss of employment.\nLaw: Under FCRA 623(a)(1)(A), furnishers must report accurate data. Also under FCRA  1681s-2, creditors are required to correct and update inaccurate information.\nStory: I contacted the lender for assistance and was told my loan was in forbearance, yet late payments were still reported. This false reporting has lowered my score during a crucial home buying period.\n Account: XXXX XXXX XXXX XXXX  | Opened: XXXX XXXX XXXX XXXX XXXX Late Payment\nIssue: I dispute the reported late payment. I made timely payments via ACH, which were delayed by the bank system, not my fault.\nLaw: Under FCRA  611, I have a right to dispute information that is inaccurate or unverifiable.\nStory: This has negatively impacted my ability to lease a car for work, leading to income disruption. I need this corrected and removed.\n AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Collection\nIssue: I have never received notice or verification of this debt. This is either fraudulent or reported in error.\nLaw: Under FDCPA  809 (15 USC 1692g), collectors must provide written validation of debts. I have not received any.\nStory: I suffered major mental strain after this appeared unexpectedly. Its preventing my access to safe rental housing. Delete this account unless you can validate it fully.\n Account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Late Payment\nIssue: The account shows late payment despite being fully paid. This is inaccurate and unfair.\nLaw: Under FCRA 623 and FCRA 611, creditors must not report incorrect data.\nStory: I cleared this loan early to build better credit, only to find a late mark destroying my efforts. This must be removed immediately.\n Account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Charge Off\nIssue: I was enrolled in a hardship program and dispute the charge-off. They promised suspension of negative reporting.\nLaw: Reporting a charge-off during assistance may violate FCRA  623(a) and CFPB guidelines.\nStory: My job was lost due to layoffs and I cooperated with Capital One during this tough time. This charge-off was never supposed to happen. Remove it immediately.\n AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Collection\nIssue: I dispute this account completely. I never received any service or bill related to this.\nLaw: Under FDCPA 15 USC  1692g, debt must be validated before reporting.\nStory: This collection caused a loan denial last month. I ask that it be verified or removed immediately.\n Account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection\nIssue: This is a duplicate account for a balance I already paid through another agency.\nLaw: Reporting duplicates violates FCRA  605B and is misleading.\nStory: I was shocked to see this balance again. I already paid this debt. It's harassment and financial defamation. Delete it now.\n Account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Collection\nIssue: This small balance is for a subscription I canceled properly and never authorized past the free trial.\nLaw: Under FCRA  611, unverifiable accounts must be removed.\nStory: Its ridiculous that a XXXX  error has more impact than my years of good payment history. I demand deletion.\n InquiryXXXX XXXX XXXX XXXX XXXX XXXXIssue: I did not authorize this inquiry. This is unauthorized access to my credit file.\nLaw: Under FCRA  604(a)(3), inquiries require written permission.\nStory: This hard pull impacted my credit score, and I never applied to XXXX XXXX Remove this inquiry.\n InquiryXXXX XXXX XXXX XXXX XXXX XXXXssue: I did not give consent for this credit check.\nLaw: FCRA Section 604(a) forbids inquiries without consumer permission.\nStory: Ive never opened any XXXX account. This inquiry is harming my chances of getting a loan.\n Inquiry: XXXX | Date: XXXXIssue: This inquiry was never approved. Possibly identity theft-related.\nLaw: Under FCRA 15 USC  1681b, this violates my privacy and credit protection rights.\nStory: My data was compromised during this period. I need this inquiry blocked and removed urgently.\nI demand immediate investigation, removal, and correction of all inaccurate, unverifiable, and unauthorized entries listed above. The credit bureaus and furnishers have failed their duty to maintain accurate records under federal law. I request that the CFPB intervene and ensure compliance with all applicable consumer protection statutes. Failure to correct these errors will result in further legal action, including claims for damages under FCRA  616-617.\nThank you for your prompt attention to this urgent matter."

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