Consumer complaint received 2025-07-16 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 to formally dispute multiple inaccurate and unauthorized items that are currently appearing on my credit report. These include an address that does not belong to me, a late payment on a paid account, a questionable charge-off, and several hard inquiries made without my knowledge or consent. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and they are causing measurable harm to my creditworthiness. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to assist in ensuring a full reinvestigation and appropriate resolution of these violations. 
XXXX XXXX XXXX XXXX XXXX, XXXX Address Law Issue : FCRA 1681e ( b ) Reporting must be accurate and complete Story : I have never lived at or used this address in any personal or financial capacity. Its appearance on my credit report is incorrect and misleading. Reporting false address information creates confusion in identity verification and impacts my credit file integrity. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Address Law Issue : FCRA XXXX ( b ) Duty to follow reasonable procedures to assure accuracy Story : This address is not associated with me and was never my legal or mailing residence. Its continued reporting creates serious concerns of mistaken identity or data merging. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$610.00} Late Payment Law Issue : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must provide accurate info Story : I dispute the late payment being reported on this account. I was facing verified financial hardship during the mentioned period and was in communication with the creditor for assistance. This reporting lacks full context and hurts my creditworthiness. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : FCRA 1681i Inaccurate or unverifiable accounts must be deleted Story : This charge-off status is misleading since the balance is {$0.00}, and the account was resolved. Reporting a charge-off with XXXX balance harms my credit unjustly and appears punitive. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Late Payment * * Law Issue : FCRA 1681e ( b ), 1681i Story : The reported late payments are inaccurate. I was under a forbearance agreement due to hardship during this time and should not have been reported late while receiving assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * Law Issue : FCRA 1681s-2 ( b ) Furnishers must correct inaccurate info Story : This account also reflects late payments during a period when I had an active deferment. Improper reporting of late marks during forbearance is a clear FCRA violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Late Payment * * Law Issue : FCRA XXXX ( a ) ( XXXX ) Data must be accurate and not outdated Story : This account contains duplicate late entries and reporting gaps that mislead lenders. I believe the reporting is not updated or verified, as some dates overlap with other active agreements. 

EDFINANCIAL XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * Law Issue : FCRA 1681i ( a ) ( 1 ) ( A ) Story : This account also appears to reflect incorrect payment history. I was enrolled in a financial hardship program, and the servicer assured no negative credit impact. This reporting breaks that promise and requires review. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Collection * * Law Issue : FDCPA 807 and FCRA 1681b ( a ) ( 3 ) Story : This collection account was never notified to me nor validated before reporting. I never received a statement of rights, and the debt XXXX not even be mine. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) Permissible purpose required Story : I did not authorize this hard inquiry and had no credit application or transaction with this lender on this date. This violates my rights under FCRA. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) Story : I never applied for credit with XXXX XXXX on this date, nor did I authorize any dealership to pull my credit. This is unauthorized. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Law Issue : FCRA 604 ( a ) ( 3 ) Story : This was not approved by me, and I was not present at the dealership. No permissible purpose was granted for this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Law Issue : FCRA 604 ( a ) ( 3 ) Story : Similar to above, I did not initiate this inquiry, and I demand it be removed as it was conducted without my knowledge or consent XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) Story : This hard inquiry was not authorized, and I was not engaged in any financial discussion or transaction with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) Story : This company pulled my credit without consent. I did not engage them for financing, making this inquiry unlawful XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) Story : This inquiry was unauthorized and done without my knowledge. I did not apply for credit with this company Pursuant to my rights under FCRA 611 ( a ), I am requesting that the credit reporting agencies and data furnishers involved provide documented proof of accuracy, validity, and permissible purpose for each item listed in this complaint. If no such verification is provided within the required timeframe, I am requesting immediate removal of the disputed items from my credit report. These entries are materially inaccurate and are being reported in violation of federal law. I respectfully ask the CFPB to take appropriate action to ensure compliance and accountability, and to help restore the integrity of my consumer credit file. Please confirm receipt of this complaint and provide me with the results of any 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