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:
I am submitting this formal complaint against the credit reporting agencies and data furnishers for their ongoing failure to ensure the accuracy and integrity of the data reporting on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C XXXX and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C XXXX. My credit report contains numerous errors including incorrect addresses, inaccurate account statuses, unauthorized hard inquiries, and unvalidated debts. These items have damaged my credit score, led to denials for housing, loans, and employment, and caused emotional distress and financial harm. The following is a list of the items I am disputing and the basis of my complaint : XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Wrong Address Issue : This address is being falsely reported under my credit file Law : FCRA Section XXXX ( b ) Requires credit bureaus to maintain maximum possible accuracy Story : I have never lived at this address, nor have I ever used it for any financial or residential purpose. It is either the result of a mixed file or identity confusion. Including this address on my report is misleading and damaging my credibility. It has caused delays in rental applications, and I was wrongly flagged during background checks. This is a clear violation of my rights, and I am requesting immediate deletion of this address from all credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : Incorrect and unauthorized address listed on my report Law : FCRA Section XXXX ( a ) ( XXXX ) Consumer right to accurate disclosure Story : I have no association with this address. I have never stayed, received mail, or conducted any business linked to it. This false entry is damaging my creditworthiness and has contributed to credit application denials. The inclusion of such an address suggests improper identity verification, and I demand it be removed from my file with immediate effect. 
XXXX XXXX * * Late Payment * * Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Inaccurate late payment reporting despite XXXX balance and closed status Law : FCRA Section XXXX ( a ) ( XXXX ) ( A ) Duty of furnishers to report accurate data Story : This account was paid and closed, yet a late payment is still being reported. This is highly misleading and has unfairly damaged my credit score. I was denied a credit card due to this false information. I request immediate deletion of the late mark and full reinvestigation into the payment history. This false entry does not reflect my payment behavior and is hurting my financial stability. 
XXXX XXXX XXXXXXXX * * Charge-Off * * Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Charge-off reported despite being paid and closed Law : FDCPA Section 809 ( b ) Debt must be validated before collection reporting Story : I was never provided proper notice of the charge-off or validation of the debt. I made efforts to resolve this account, but the charge-off status was maintained even after my payments. This entry has stopped me from obtaining car financing and housing. I am requesting deletion due to the lack of verification and improper handling of this account. 
XXXX XXXXXXXX * * Charge-Off * * Date Opened : XX/XX/XXXX | Balance : {$10000.00} Issue : Charge-off status reported without reflecting post-hardship settlement Law : FCRA Section XXXX ( a ) ( XXXX ) Furnishers must update and correct information Story : I entered into a hardship program with this lender and made payments under a negotiated settlement. Despite that, the charge-off status remains and no update was made. This misrepresentation is inaccurate and severely impacting my creditworthiness. I request a full investigation and deletion if accurate reporting can not be confirmed with documentation. 
XXXX XXXX ( Multiple Accounts ) Charge-Offs Accounts : XXXX * * * * XXXX * * * * XXXX * * * * Issue : Duplicate and inaccurate charge-offs from the same lender Law : FCRA Section XXXX ( b ), Section XXXX ( b ) Accuracy and duplication violation Story : XXXX XXXX has reported the same account multiple times with different numbers, resulting in duplicate charge-offs. This has made my credit report appear much worse than reality and led to several loan denials. I believe some of these accounts are either wrongly duplicated or belong to someone else due to mixed file issues. I am demanding that these be verified individually and removed if duplicates or errors are found. 
XXXX XXXXXXXX Multiple Charge-Offs Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Multiple inaccurate charge-offs without validation or documentation Law : FDCPA Section XXXX ( a ), FCRA Section XXXX ( a ) ( XXXX ) Story : These Affirm accounts were created for small installment purchases, and several of them appear to be duplicates or opened fraudulently. I was never sent any billing statements or proper validation letters. Some were opened without my full authorization. These false entries make it look like I defaulted on multiple lines of credit when that is not the case. They are preventing me from opening any new lines of credit. I demand deletion unless proper validation and signed contracts are provided. 
Unauthorized Hard Inquiries Must Be Removed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX Issue : These inquiries were made without my consent or a permissible purpose Law : FCRA Section XXXX ( a ) ( XXXX ) Credit inquiries must be made with permissible purpose and authorization Story : I never applied for credit with many of these companies. These inquiries were made without my knowledge or consent, possibly due to fraudulent applications or mixed identity files. They are damaging my score and have no justification. I am demanding deletion of each inquiry unless the furnisher can provide evidence of a signed credit application with my information. 
All of these issues were previously disputed with the credit bureaus and the furnishers yet no meaningful correction was made many of my disputes were closed without full investigation which is a direct violation of FCRA XXXX I am requesting that the CFPB take enforcement action to ensure these items are removed or corrected immediately and that the responsible furnishers and credit reporting agencies are held accountable for these unlawful and damaging reporting practices I am including supporting documents and request a full investigation and a written resolution to each item

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