Consumer complaint received 2025-07-26 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against multiple furnishers and credit reporting agencies due to the reporting of inaccurate, unverifiable, and misleading information on my credit report. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have suffered severe harm as a result, including credit denials, emotional distress, and loss of financial opportunities. 
Below are the details of the issues I am disputing : XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : I have never lived at or been associated with this address. 
Law : Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), the reporting of inaccurate personal information constitutes a violation of my rights.

Story : This address appeared on my report without my knowledge or consent. It is completely unfamiliar to me, and I suspect it may be linked to identity theft or mixed files. Its presence misrepresents my residential history and damages my creditworthiness. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX WRONG ADDRESS Issue : This address is incorrect and not associated with me. 
Law : FCRA 607 ( b ) mandates consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Story : I have never resided at this location. The continued reporting of this false address leads to confusion and discredits my true residency. I believe this was added in error and request its immediate removal. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX WRONG ADDRESS Issue : Inaccurate and unknown address listed on my credit file. 
Law : FCRA 605B ( a ) ( 1 ) allows the consumer to block information resulting from identity theft.

Story : I never authorized this address to be listed under my name. This type of error leads to further misinformation spreading across data furnishers and damages my record unjustly. 
XXXXXXXX XXXX XXXX XXXX XXXX LATE PAYMENT * * Issue : This account inaccurately shows late payments.

Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know to be inaccurate. 
Story : I made timely payments and have proof through bank records and statements. I believe this is a reporting error and demand a full reinvestigation. This false late mark has caused denials in other loan applications. 
XXXX XXXXXXXX XXXX XXXX  LATE PAYMENT * * Issue : Incorrect delinquency reporting. 
Law : Per FCRA 611 ( a ), I have the right to dispute inaccurate data and have it corrected or deleted.

Story : The late payment listed is inaccurate. I was enrolled in an autopay plan, and no payment was missed. This error is distressing and unjustly lowered my credit score. 
XXXX XXXX XXXXXXXX XXXX XXXX LATE PAYMENT * * Issue : Unfairly marked late when payment was made. 
Law : Under the FCRA 623 ( b ), furnishers must promptly investigate and correct any disputed data. 
Story : I was temporarily affected by a financial hardship due to a medical emergency but made payment arrangements, which were ignored in the reporting. I request correction to reflect true payment history. 
XXXX XXXXXXXX XXXX XXXX LATE PAYMENT * * Issue : Reporting account as late despite {$0.00} balance.

Law : FCRA 607 ( b ) mandates maximum possible accuracy in reporting.

Story : This account had no due balance at the time of alleged delinquency. Listing it as late is misleading and wrongfully impacted my credit profile during job applications. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account marked charged off after reported errors.

Law : FCRA 623 ( a ) ( 5 ) requires the correct date of first delinquency and proper charge-off reporting. 
Story : I disputed previous late payments that were never addressed, and suddenly it was charged off. This led to rejection from rental applications and credit denials. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unjust charge off on a closed account.

Law : As per FCRA 609 ( a ), I am entitled to full account information verification. 
Story : I closed this account voluntarily and owed nothing. Seeing a charge-off devastates my credit and reputation. I need immediate correction or deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXssue : Duplicate collections with excessive balance. 
Law :

FCRA 605 ( c ) limits the reporting of duplicate or unverifiable collections.

Story : This same balance is being reported under multiple names. I never received a debt validation letter. I believe this is re-aged debt meant to damage my credit unjustly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Account charged off without proper notice. 
Law : FCRA 623 ( a ) ( 1 ) ( B ) requires furnishers to correct any previously reported information found to be inaccurate. 
Story : I was never notified about delinquency, and no opportunity to cure the debt was given. The charge-off came out of nowhere and has blocked me from qualifying for a mortgage. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge-off listed despite active dispute. 
Law : FCRA 611 requires timely reinvestigation of any disputed information. 
Story : I disputed fees that were inaccurately assessed. Instead of addressing them, the bank moved to charge-off status. I was victimized and reported unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collection reported for an unknown account. 
Law : FDCPA 809 ( b ) states I have the right to request verification of a debt.

Story : I have no knowledge of this account, and no letter or notice was sent. I believe this is either fraudulent or a case of mistaken identity. It is severely harming my profile.

Relief Requested : Immediate investigation of the listed inaccurate addresses and account entries.

Removal of any unverifiable, duplicate, or misreported accounts.

Enforcement of compliance with FCRA 1681e ( b ), 1681i and FDCPA 809.

Sanctions or warnings issued to data furnishers and CRAs violating federal law. 
Updated credit reports reflecting deletions and corrections. 
I have included supporting documentation and copies of my previous disputes. I respectfully ask for your assistance in holding these furnishers and reporting agencies accountable and restoring accuracy to my credit file.

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