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:
Dear CFPB Officer, I am filing this complaint to formally report several inaccurate, unverifiable, and unauthorized entries on my credit report. Despite previous efforts to resolve these issues with the credit bureaus and creditors, the false reporting continues, severely damaging my credit and causing emotional and financial harm. Below I have outlined the wrong addresses, account issues, and unauthorized hard inquiries that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
WRONG ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : This address is not mine and should not be listed on my credit profile Law : FCRA 1681e ( b ) Credit bureaus must maintain maximum possible accuracy Story : I have never resided at this location or had any financial connection to it. Its presence may be due to data merging or misreporting, and it poses a risk of identity fraud. I respectfully demand that this be removed from all credit reports. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Not my address ; this listing is a serious mistake Law : FCRA 1681c Requires accurate and relevant identifying information only Story : I have never lived in XXXXXXXX XXXX  and this address has no association with me. Leaving this on file could lead to credit misrepresentation or fraud-related confusion. 
ACCOUNTS WITH LATE PAYMENTS, CHARGE-OFFS, OR COLLECTIONS XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$2000.00} * * Issue : Late payment reporting is inaccurate Law : FCRA 1681s-2 ( b ) Furnishers must correct and investigate disputes Story : I made every effort to resolve this account on time, and any late payment notation is either incorrect or based on outdated reporting. I have never received formal validation or breakdown of the delay. 
XXXX  XXXX XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$120.00} * * Issue : Late payment without supporting documentation Law : FCRA 1681e ( b ) Bureaus must ensure accurate data Story : This account was auto-drafted and payments were timely. Any delay is likely a system error. XXXX has not validated or notified me of the alleged lateness. 
XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$86.00} * * Issue : Incorrect late mark reported Law : FCRA 602A Consumers must be treated fairly Story : This loan was paid in full without delay. Reporting a late payment is inaccurate, misleading, and violates my consumer rights. 
XXXX DC XXXX * * | Opened : XX/XX/XXXX | Balance : {$1300.00} * * Issue : Late payment misreported Law : FCRA XXXX Inaccurate entries must be corrected after dispute Story : I was not properly notified of any delinquency, and the payment history shows inconsistencies. I dispute the late reporting and demand removal. 
XXXX XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$13000.00} * * Issue : Charged off while active dispute was ongoing Law : FCRA 623 Furnishers must ensure the accuracy and completeness of information Story : I was actively disputing and resolving a billing error when this charge-off was posted. This is unfair and improper handling of an account under dispute. 
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 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 charge-offs for small balances Law : FDCPA 807 Prohibits false or misleading representations Story : These charge-offs reflect poor communication from Affirm. I was not given proper chance to resolve balances or arrange payment plans. Reporting so many charge-offs is excessive and unjustified. 
XXXX XXXXXXXX Multiple Zero-Balance Accounts with Late Payments 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Inaccurate late payments on closed/zero balance accounts Law : FCRA 1681c Derogatory info on zero-balance accounts must be removed Story : These accounts are paid off, many with auto-pay. Reporting late payments on zero-dollar balances is misleading and unfair. Likely system glitches or miscommunication. 
XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$200.00} * * Issue : Reported without proper debt validation Law : FDCPA XXXX ( b ) Consumer has right to request debt validation Story : I requested proof of this debt and never received validation. Reporting it is illegal without verification. 
UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiries not initiated or authorized by me Law : FCRA 604 ( a ) ( 3 ) Credit report access must have a permissible purpose Story : I never applied for credit with many of these companies. Some may be the result of ID theft or soft pulls being misreported as hard inquiries. Please investigate and remove those without my written consent.

SUMMARY & RELIEF REQUESTED I respectfully request the CFPB to investigate the above disputes and ensure that the credit bureaus and furnishers comply with federal laws. I am asking for : 1. Immediate removal of all inaccurate addresses 2. Correction or deletion of the disputed accounts and false late payments 3. Removal of all unauthorized inquiries 4. A full investigation and written explanation from each bureau and creditor This situation has caused me serious financial stress, credit denials, and personal hardship. I am exercising my legal rights and request your assistance in getting these matters resolved.

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