Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16118403
Complaint Overview
Complaint ID: 16118403
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: 333XX
Date Received: 2025-09-21T12:00:00-05:00
Date Sent to Company: 2025-09-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding multiple inaccurate and misleading items being reported on my credit file by XXXX XXXX XXXX, XXXX XXXX, and the credit reporting agencies. These inaccuracies are causing significant harm to my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed items are as follows : Incorrect/Unverified Addresses XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX These addresses are not associated with me and should not be reported on my credit file. XXXX XXXX Bank Charge-Off Account # : XXXX Date Opened : XX/XX/XXXX Reported High Credit : {$740.00} This account is being reported inaccurately as a charge-off. I dispute the accuracy and completeness of this reporting. XXXX XXXX Charge-Off Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3600.00} This account is also being reported as a charge-off. I dispute the accuracy and completeness of this reporting. Bankruptcy Reporting Bankruptcy Reference # : XXXX Court : U.S. Bankruptcy Court This public record is being reported in a way that is inaccurate and misleading. I request full validation and verification, including the method by which the credit bureaus obtained and verified this information. My Rights Under FCRA The FCRA requires that all items on my credit report be accurate, complete, and verifiable. Any unverifiable or inaccurate items must be deleted immediately ( 15 U.S.C. 1681i ). Continued reporting of unverifiable or inaccurate information constitutes willful noncompliance. Requested Resolution : Delete the inaccurate addresses from my credit file. Investigate and delete/rectify the XXXX XXXX XXXX charge-off account if it can not be fully verified. Investigate and delete/rectify the XXXX XXXX charge-off account if it can not be fully verified. Provide validation and verification of the bankruptcy reporting. If unverifiable, it must be deleted immediately.
Frequently Asked Questions
What is Complaint #16118403 about?
Complaint #16118403 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-09-21T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.