Consumer complaint received 2025-10-26 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:
I am writing to file an official complaint regarding the repeated and unlawful reporting of inaccurate information, unauthorized credit inquiries, and failure to ensure maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These actions have directly harmed my credit profile and financial standing. Despite previous disputes and verification requests, the reporting agencies and furnishers have failed to properly investigate or remove the false and unverifiable information as required by law. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address is not accurate or verified residences of mine. The FCRA 607 ( B ) requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. Reporting the address or places I have never lived is misleading, causes confusion, and misrepresents my identity. Under FCRA 611 ( A ), I demand that this address be deleted permanently from my file as unverifiable and inaccurate. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account shows late payments despite a XXXX balance, which violates FCRA 607 ( B ) and 623 ( A ) ( 1 ) ( A ). The furnisher can not report delinquency without verifiable evidence. The reporting of lateness after account closure is inaccurate and misleading, and I request its immediate correction or deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} Late Payment The reported delinquencies do not align with my actual payment record. This reflects a violation of FCRA 623 ( B ) ( 1 ) ( D ), which obligates furnishers to correct and update inaccurate information after a dispute. Any late mark without proof of default or notice of deficiency is invalid and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Reporting a late payment when the balance is XXXX indicates failure to maintain accurate data. Under FCRA 602 ( A ) and 607 ( B ), the bureau must ensure factual reporting. Such false delinquency lowers my creditworthiness unjustly, and I demand reinvestigation and deletion if unverified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$660.00} Late Payment This account has been inaccurately reported. The discrepancy between balance amounts and duplicate reporting violates FCRA XXXX ( B ). Reporting the account inflates debt history and must be corrected or deleted immediately. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late Payment XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Late Payment These two entries represent duplicative reporting for a single student loan account, creating artificial delinquency. Under FCRA 602 ( A ) and 623 ( A ) ( 1 ) ( A ), furnishers must not misreport or duplicate obligations. These errors must be promptly reinvestigated and deleted. 

XXXX XXXX XXXX I XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00} Collection This account has been inaccurately reported as a collection despite being in dispute and lacking validation from the original creditor. According to FCRA 611 ( A ) ( 5 ) and 623 ( B ) ( 1 ), unverifiable or incomplete collection data must be deleted. Reporting a debt without full validation and ownership proof violates my consumer rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each of these inquiries was unauthorized and made without my written consent as required under FCRA 604 ( A ) ( 2 ). Hard inquiries directly impact my credit score, and any entity that accessed my credit file without permissible purpose is in violation of FCRA 616 and 617. I request their immediate removal as unauthorized and unverifiable.

The continuous reporting of inaccurate data, unverified accounts, and unauthorized inquiries demonstrates clear violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). I respectfully request that the Consumer Financial Protection Bureau conduct a full investigation, compel the credit reporting agencies and furnishers to delete or correct all disputed items, and provide written confirmation of all actions taken to restore 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