Consumer complaint received 2025-10-21 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 submitting this fourth round dispute regarding repeated inaccuracies and unauthorized inquiries on my credit report. Despite previous disputes, these errors continue to appear, violating my rights under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611, and 623 ( a ), which require maximum possible accuracy, proper reinvestigation, and deletion of unverifiable information. These persistent inaccuracies have caused ongoing financial harm, stress, and misrepresentation of my true creditworthiness. I demand a thorough reinvestigation and immediate correction or deletion of the following items : Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not and have never been associated with me. The reporting of these locations connects my file to information belonging to someone else, violating FCRA 607 ( B ), which requires maximum accuracy in credit reporting. Associating me with addresses where I have never resided creates confusion and the appearance of potential identity errors. I request immediate deletion of both addresses as they are not verifiable or accurate. 

Accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} Charge Off XXXX XXXX This account has been reported as a charge-off without any verified contract or obligation. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or believe to be inaccurate. Reporting a charge-off without validation violates FCRA 611 ( a ) and FDCPA 809 ( b ), which require proper proof of debt upon dispute. This entry must be deleted for lack of verified documentation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} Late Payment XXXX XXXX  This account shows multiple late payments that have never been properly validated. Under FCRA 607 ( B ), furnishers are required to maintain complete accuracy. Reporting unverifiable late data creates an unfair negative impact on my report. Unless XXXX provides full validation with supporting documentation, this item must be removed for failure to comply with federal accuracy requirements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off XXXX XXXX  A charged-off account showing a XXXX balance is contradictory and inaccurate, violating FCRA 602 ( A ). If the account has a XXXX balance, there is no valid basis to continue reporting it as charged-off. Continued inclusion of this account is misleading and violates my right to a truthful report. I request its deletion for noncompliance with federal standards. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Charge Off XXXX XXXX  This charge-off was reported without proof of the original account ownership or contractual obligation. FCRA 623 ( b ) requires data furnishers to verify disputed information. No documentation or validation was ever provided to confirm this debt. This entry is unverified and must be deleted immediately for failing the standard of accuracy under FCRA 607 ( B ). 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Collection * * This collection was added without notice or validation. Under FDCPA 809 ( b ) and FCRA 611, consumers have the right to dispute and demand verification before such information can be reported. Since no verification has been provided, this collection violates my federal rights and should be deleted immediately. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$320.00} Collection XXXX XXXX  I have never had any account, contract, or service with XXXX XXXX. Reporting a collection without a valid agreement breaches FCRA 623 ( a ) and FDCPA standards for validation. Unverified accounts are considered inaccurate and must be deleted immediately as they harm my credit reputation. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Collection XXXX XXXX This account is unverifiable and lacks documentation proving my consent or liability. FCRA 611 ( a ) requires credit bureaus to delete or correct inaccurate information if verification can not be provided. Since no proof of debt or agreement has been shown, this collection must be removed for noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX has failed to validate this account as required under FCRA 623 ( b ). Reporting a debt without clear ownership or consent violates the duty of accurate data furnishing. This item must be deleted for lack of substantiation and violation of consumer protection laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was reported as a collection without any prior notice or verification. FCRA 602 ( A ) and FDCPA 809 ( b ) require proper communication and validation before reporting such negative items. Since I have received no proof of liability, this item must be removed for being unverifiable and damaging to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection XXXX XXXX  This debt has been added to my report without a verified contract or supporting evidence. FCRA 607 ( B ) mandates accuracy, and without validation, this collection violates the law. The absence of proof means this account must be deleted for failing federal reporting standards. 

Inquiries 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 XXXXXX/XX/XXXX Each of these inquiries was conducted without my authorization or permissible purpose under FCRA 604. No signed or written consent was provided for any of these inquiries. Under FCRA 605B and 611 ( a ), unauthorized inquiries must be removed immediately upon dispute. These entries are unauthorized, damaging, and violate my consumer rights.

These repeated reporting errors and unauthorized inquiries demonstrate a pattern of negligence and noncompliance by the credit bureaus and furnishers, violating FCRA Sections 607 ( b ), 611, and 623 ( a ). These actions have caused ongoing harm to my financial standing, created stress, and misrepresented my credit history. I demand immediate reinvestigation, deletion, and correction of all inaccurate or unauthorized information listed above and confirmation in writing of all corrective actions taken.

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