Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint against Experian Information Solutions , Inc. and several data furnishers for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Experian and the following creditors have reported inaccurate, unverifiable, and misleading information on my consumer credit report, which has caused serious harm to my credit reputation, financial opportunities, and peace of mind. Despite my attempts to resolve these issues directly, the false information continues to appear on my report. I am therefore requesting your immediate assistance in investigating these violations. 
Wrong Addresses ( Unverified and Incorrect ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX These addresses are completely incorrect and should not be associated with my personal credit file. I have never resided at or been affiliated with these locations. Reporting inaccurate personal identifying information violates Section 604 ( a ) ( 2 ) and Section 607 ( b ) of the FCRA, as credit bureaus must maintain maximum possible accuracy in consumer data. These addresses must be deleted immediately from my credit file. 
Accounts Reporting Wrong or False Late Payment History : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Reported Late Payment This account is being incorrectly reported as having late payments. I have never missed any payments on this account. The information is completely inaccurate and not based on verified records. Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to ensure that all data they report is accurate and verifiable. I demand the removal of any false late payment history and correction of my payment record to reflect an on-time payment history. 
XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Reported Late Payment This account has been fully paid and closed with a XXXX balance. It is illegal and misleading to continue reporting this account as having late payments when the account is in good standing. This error must be corrected immediately to prevent further damage to my credit profile. 
XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX | Balance Owed : {$6200.00} | Reported Late Payment I dispute this information because I have no record or evidence of any late payment. The account was always maintained in accordance with the agreed payment schedule. This false reporting is in violation of FCRA 607 ( b ), which requires accuracy in consumer credit files. Please provide verifiable documentation that supports the alleged late payment or immediately update my report to reflect a positive payment history. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$450.00} | Reported Late Payment I have never been delinquent on this account. The current reporting is false, misleading, and unverified. If Experian can not verify this information with proper records from the furnisher within the required 30 days under FCRA 611 ( a ), it must be deleted from my file immediately.

Unauthorized or Excessive Hard Inquiries ( Unverified ) : The following inquiries appear on my report without my authorization or valid permissible purpose as defined by FCRA 604 ( a ). These companies have accessed my credit report without consent, which constitutes a serious violation of my consumer rights. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no recollection or documentation of authorizing these companies to pull my credit. These inquiries are unjustified and have been placed without permissible purpose. According to 15 U.S.C. 1681b ( f ), any person who obtains a consumer report without a legitimate purpose is in violation of federal law. I demand the immediate deletion of all the above inquiries from my credit report.

Requested Action by the CFPB : 1. Conduct a full investigation into Experian and the listed furnishers for failing to comply with the FCRA.

2. Require Experian to permanently remove all unverified addresses, false late payment notations, and unauthorized hard inquiries from my credit report. 
XXXX. Impose penalties or corrective measures against any furnisher that continues to report unverifiable or inaccurate data. 
XXXX. Provide me with written confirmation once these issues have been corrected and verified. 
Conclusion : The inaccuracies in my credit report are causing serious damage to my financial health and are preventing me from obtaining fair credit opportunities. These repeated violations of federal law are unacceptable. I am requesting CFPBs immediate intervention to ensure compliance with the FCRA and to restore the integrity of my credit file. 
Thank you for your time and assistance. I look forward to your prompt investigation and written confirmation of 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