Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14903616

Complaint Overview

Complaint ID: 14903616

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Florida

ZIP Code: 32208

Date Received: 2025-07-26T12:00:00-05:00

Date Sent to Company: 2025-07-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Dear CFPB, I am writing to file a formal complaint against multiple furnishers and credit bureaus for the continued reporting of inaccurate, outdated, and unverified information on my credit file. Despite multiple attempts to resolve these issues directly, they have failed to take appropriate action under the Fair Credit Reporting Act ( FCRA ), specifically violating 1681e ( b ), 1681i, and 1681s-2. I am currently suffering severe harm to my creditworthiness due to the following inaccurate items on my credit report : XXXX XXXX XXXX XXXX XXXX, AL XXXX Issue : Wrong Address Law Cited : FCRA XXXX ( b ) requires reasonable procedures to assure maximum possible accuracy. Details : I have never resided at this address, nor do I have any known affiliation with it. Reporting it as mine is an error and creates identity confusion. Its presence on my file misrepresents my residential history and has triggered unnecessary fraud alerts and credit denials. XXXX XXXX * * Balance : {$800.00} Date Opened : XX/XX/XXXX * * DEPTEDXXXX XXXXXXXX * * Balance : {$2000.00} Date Opened : XX/XX/XXXX * * DEPTEDXXXX XXXXXXXX * * Balance : {$5200.00} Date Opened : XX/XX/XXXX * * DEPTEDXXXX XXXXXXXX * * Balance : {$2200.00} Date Opened : XX/XX/XXXX * * Issue : Late Payments Law Cited : FCRA 1681s-2 and 1681i Details : These entries are inaccurate and harmful. I never received any proper billing or notice for late payments. These are student loan accounts that were under deferment and forbearance at multiple times, which should have protected me from late reporting. These payments were not missed due to negligence but due to a lack of communication and internal errors within the loan servicer. Under the FCRA, furnishers must ensure accuracy and completeness of information reported. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} Date Opened : XX/XX/XXXX * * Issue : Charge-Off Law Cited : FCRA XXXX Details : This account was closed and resolved several years ago. I was led to believe the balance was settled. I never received proper follow-up or notification of charge-off. The continued reporting of this entry as a charge-off is misleading and derogatory. XXXX XXXX XXXX * * Balance : {$1100.00} Date Opened : XX/XX/XXXX * * Issue : Charge-Off Law Cited : FCRA XXXX Details : This account was charged off during a time when I was facing extreme medical hardship and unemployment during the pandemic. I reached out for assistance but was not provided with hardship accommodations. The charge-off reporting is unjust and inaccurate, especially when I attempted to resolve it. XXXX XXXXXXXX XXXX XXXX Balance : {$880.00} Date Opened : XX/XX/XXXX * * Issue : Charge-Off Law Cited : FCRA XXXX Details : This account was opened fraudulently. I did not authorize its creation or usage. I have contacted XXXX and filed an identity theft report. Under FCRA XXXX, I request this fraudulent account be blocked from reporting. XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} Date Opened : XX/XX/XXXX * * Issue : Collection Law Cited : FCRA XXXX ( a ) and XXXX Details : I never received a validation notice from this collector. This debt is unknown to me. Reporting this item without verification violates my right to dispute and receive proof under FDCPA and FCRA. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unfamiliar Hard Inquiry Law Cited : FCRA XXXX ( c ) Details : I did not authorize this inquiry. No application or consent was given to XXXX XXXX Bank. This inquiry hurts my score and was obtained without permissible purpose. XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law Cited : FCRA XXXX ( c ) Details : I never applied for credit from XXXX on or near this date. This inquiry is unauthorized, likely stemming from identity misuse. Please delete it immediately. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law Cited : FCRA XXXX ( c ) Details : I did not XXXX permission for this inquiry. This company ran my credit without my consent or knowledge, violating my privacy and rights under the FCRA. Summary of Harms Caused : Loss of access to affordable credit and housing Damage to my reputation and XXXX XXXX Emotional distress and time spent disputing errors Increased interest rates and loan denials due to misreported data Action Requested from CFPB Investigate the above issues with the relevant furnishers and credit bureaus Require the deletion or correction of inaccurate addresses, accounts, and inquiries Hold furnishers accountable for violating their duty to report complete and accurate information Provide a written response with the results of your investigation

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