Consumer complaint received 2025-12-07 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:
I am filing this complaint because the credit reporting agencies and the furnishers listed below are reporting inaccurate, unverifiable, unauthorized, and damaging information on my credit report. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( A ), 607 ( B ), and 611, which require accurate reporting and proper reinvestigation. 
I have attempted to dispute these items with the credit bureaus, but they remain on my report despite being inaccurate, unverified, or unauthorized. These errors are causing financial harm, emotional distress, and denial of credit. 
WRONG ADDRESSES NEVER LIVED THERE XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address I have never been linked to this place in any way. This is a severe mixed-file error and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address I have no history in XXXX XXXX and never used this address under any circumstance. Keeping this on my report misrepresents my identity. 
ACCOUNTS WITH INACCURACIES FULL REINVESTIGATION REQUIRED XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Issue : Late Payment reporting is false and inaccurate. I never submitted late payments on this account, and the negative reporting is damaging my reputation. If you can not provide validated, time-stamped payment records showing lateness with my signature, you must correct the payment history immediately. This is harming my credit score unfairly and violates FCRA accuracy standards. 
XXXX  Account : XXXX Date Opened : XX/XX/XXXX Balance : {$4.00} Issue : The Late Payment being reported is completely inaccurate. I always paid this account responsibly and never missed any payment. If accuracy can not be proven through complete ledger history, the incorrect late payment must be corrected or deleted from the record. 
XXXX XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$120000.00} Issue : The Late Payment reporting is completely wrong. I never missed any payments on this account, and I dispute the accuracy of the payment history. No verified proof of delinquency exists. If you can not produce payment logs with dates and confirmation, the late payment notation must be corrected or deleted for being inaccurate and harmful. 
XXXX XXXX XXXX  Account : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Issue : This Collection does not belong to me. I have no contract, no service history, and never received any letter from this collector. This appears to be an erroneous or mixed-file collection. Without official supporting documents, the account must be removed. 
UNAUTHORIZED / UNVERIFIED HARD INQUIRIES XXXX XXXX XXXX XXXX  Hard Inquiry Date : XX/XX/XXXX I never applied for credit with XXXX  XXXX on this date. Remove this inquiry. 
REQUEST FOR CFPB ACTION I am requesting the CFPB to : Require all furnishers to provide full documentation supporting each account and inquiry Require the credit bureaus to perform a complete reinvestigation Remove all items that can not be verified with original legal proof Correct all false late payments and mixed-file inaccuracies Ensure compliance with FCRA standards These inaccurate items have caused emotional distress, unfair denials, increased interest rates, and long-term financial damage. I am requesting full intervention by the CFPB to protect my rights.

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