Consumer complaint received 2025-07-31 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 Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Address Law : FCRA Section 609 ( c ), Section 611 Issue : This address is not mine and should not be linked to my credit report.

Story : I have never resided at this location and have no known connection to this address. The inclusion of this inaccurate address is damaging and misleading. Please remove it immediately from my file after reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address Law : FCRA Section 609 ( c ), Section 611 Issue : This is a completely incorrect address not affiliated with me in any way. 
Story : I request deletion of this address, as I have never lived or received mail at this location. Maintaining inaccurate personal information on my report violates my consumer rights. 

XXXX XXXXXXXX XXXX XXXX  Account Late Payment * * Law : FCRA Section 611, Section 623 Issue : This account shows inaccurate late payment reporting. 
Story : I believe the reported late payment is incorrect. I request a full reinvestigation and verification of the reported payment history. If you can not verify with accurate documentation from the original creditor, this entry must be deleted from my report. 

XXXX XXXXXXXX * * Account Charge-Off * * Law : FCRA Section 611, FDCPA Section 807 Issue : Reporting a charge-off with {$0.00} balance is inaccurate and misleading. 
Story : This account is showing a charge-off with no remaining balance. If there is no money owed, it should not be marked as a derogatory item. I demand a complete review, and if this account can not be proven with valid documentation, it must be removed. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Charge-Off * * Law : FCRA Section 623, FDCPA Section 807 Issue : This charge-off is duplicated from the XXXX XXXX collection and is double jeopardy. 
Story : This appears to be a duplicate entry for the same alleged XXXX XXXX account. This inflates my negative reporting unfairly. If this is not a separate debt, it must be removed under FCRA for inaccurate reporting. 

XXXX XXXX XX/XX/XXXX Inquiry ( Duplicate ) Law : FCRA Section 604 Issue : Same unauthorized inquiry reported twice. 
XXXXtory : This is a duplicate hard inquiry and appears redundant. Please remove any repeated or unpermitted inquiries that lack proper authorization. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : No permission was granted for this credit check. 
Story : I never applied for credit with XXXX XXXX XXXXXXXX on this date. Please remove this inquiry unless you can verify I gave written consent. 

XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : I did not initiate this inquiry and was unaware of it. 
Story : I have not applied for credit with XXXX XXXX XXXX Please investigate and remove it if you can not confirm my authorization. 

XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : No authorized application for credit with this entity. 
Story : This inquiry is suspicious and was not initiated by me. If no evidence of consent exists, it must be deleted immediately. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this investigation.

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