Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple serious inaccuracies and unlawful reporting that are currently appearing on my credit reports maintained by the three major credit reporting agencies ( Experian, XXXX XXXX XXXX XXXX. These errors have caused significant harm to my creditworthiness, denied me fair access to credit, and violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

1. Wrong Address Reporting The following addresses are being inaccurately reported as associated with me, though I have never lived at nor been associated with them : XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This constitutes a clear violation under FC

RA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. 2. Accounts with Inaccurate or Unverified Reporting The following accounts are being reported with late payments, charge-offs, or collections, many of which are inaccurate, unverifiable, or misreported. These need immediate investigation and
deletion if they can not be fully verified with complete documentation : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection In many instances, these accounts are either outside of the legal reporting period under FCRA 605 ( a ), are duplicate entries, or are being reported by debt collectors without proper validation as required under FDCPA 809 ( b ). 

3. Unwarranted and Excessive Hard Inquiries The following creditors have placed hard inquiries on my credit file, many without permissible purpose as defined under FCRA 604. These are damaging my score and are unauthorized 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 I never authorized many of these inquiries, which violates FCRA 604 ( a ) ( 3 ).

Requested Resolution I respectfully demand that the CFPB require the credit reporting agencies and furnishers to : Delete the inaccurate addresses listed above.

Conduct a full investigation into all disputed accounts and delete any account that can not be fully verified with original signed contracts, payment histories, and lawful reporting documentation. 

Remove all unauthorized inquiries immediately, as they were made without permissible purpose under FCRA. 

Provide me with written confirmation of the deletions and corrections within the FCRA-required 30-day period. 

Conclusion The continued reporting of this inaccurate, incomplete, and unverifiable information is severely damaging my credit profile, preventing me from obtaining fair access to credit, housing, and financial opportunities. I am requesting immediate intervention by the CFPB to enforce my rights under FCRA and FDCPA.

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