Consumer complaint received 2025-08-07 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:
To Consumer Financial Protection Bureau This is a formal complaint regarding multiple inaccurate, misleading, and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to unauthorized addresses, unverified late payments, charge-offs, collections, and unauthorized hard inquiries The presence of these errors is severely affecting my financial well-being, and despite multiple attempts to address these issues directly with the credit bureaus, the inaccuracies remain uncorrected I respectfully request a full-scale investigation into these violations and the permanent deletion of the disputed items listed below Wrong Address Entries XXXX XXXX XXXX, XXXX, FL XXXX Issue : Again, this address is not associated with me at any time. 
Law : Unauthorized or inaccurate personal data reporting is prohibited ; the credit bureau is obligated to verify the correctness. 
Story : During a background check for employment, doubts arose due to this incorrect address, nearly costing me a job opportunity. 

Inaccurate Account Entries XXXX  XXXX XXXXXXXX XXXX XXXX  ( Opened : XX/XX/XXXX ) High Credit : {$240.00} ( Late Payment ) * * Issue : I dispute the reported late payment on this account ; to my records, payments have been made on time.

Law : Under FCRA Section 611, any entry shown to be inaccurate or incomplete must be corrected.

Story : A misreported late payment resulted in a personal loan offer being denied, impacting a planned move for my family. 

DPT EDXXXX [ Multiple Accounts ] ( Late Payments ) Issue : The late payment records are erroneous or outdated. 
Law : The FCRA and Fair Debt Collection Practices Act ( FDCPA ) require prompt correction after dispute. 
Story : Due to these reports, my student loan servicer increased rates, leading to further financial distress. 

XXXX XXXX XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) High Credit : {$610.00} ( Charge Off ) * * Issue : I challenge the validity and status of this debt.

Law : The FCRA and FDCPA ensure incorrect charge-off accounts are swiftly investigated and removed when unsubstantiated.

Story : This charge-off label led to difficult, emotionally taxing rejections during apartment applications. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : I question the authenticity or details of these charge-offs/inquiries ; these do not match my records. 
Law : FCRA and state-level laws reiterate the right to dispute all controversial or unrecognized entries. 
Story : These entries have led to unjustified insurance premium hikes and denied utility account openings. 

Unauthorized/Questionable Inquiries XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Issue : I did not authorize these inquiries ; they may indicate potential identity theft or unlawful access to my report.

Law : Under FCRA Section 604, only permissible purpose allows inquiries ; otherwise, they must be erased.

Story : Unrecognized hard inquiries severely reduced my credit score, leading to distress in obtaining credit for an emergency.

I request the Consumer Financial Protection Bureau to initiate an investigation into these accounts, ensure full compliance with FCRA and FDCPA, and instruct the credit bureaus to permanently delete all inaccurate, unverifiable, unauthorized, and damaging data that I have outlined above These issues have caused XXXX XXXX, loss of financial opportunity, and denial of basic needs such as housing and transportation

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