Consumer complaint received 2025-09-24 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 CFPB regarding multiple inaccuracies and violations on my credit report. These items are negatively affecting my creditworthiness and are being reported in violation of federal law. I request a full investigation and correction of my credit file as mandated under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Each item is listed below with details, account numbers, and the relevant law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address has never been my residence and its reporting is false. Under FCRA Section 611, all reported information must be accurate and complete. Reporting this false address misleads potential creditors regarding my residential history. I have never received mail, bills, or legal notices at this property. Continued reporting of this address constitutes materially inaccurate information under FCRA. The address is creating confusion in matching my credit file to legitimate activity, and any association with this address is fraudulent and must be fully investigated. I request immediate deletion of this address from my credit report. FCRA Section 609 gives me the right to obtain verification of any disputed information, and failure to remove or correct this address constitutes willful noncompliance. This address has no historical ties to any financial account I have opened, and its presence may negatively affect my credit score. I request documentation proving why this address was reported in error. The reporting agency must notify all creditors of the deletion as required by FCRA. Maintaining this address violates my consumer rights and must be corrected immediately. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrectly listed and has no connection to me. Under FCRA Section 611, credit reporting agencies must investigate and correct inaccurate information. I have never rented, owned, or received correspondence at this location, and listing this address is misleading, suggesting potential fraudulent activity. I request deletion and confirmation of removal in writing. Continuing to report this false address is a violation of accuracy requirements. The reporting agency must provide proof of why this address was included. No legitimate credit history or account information ties me to this address. FCRA Sections 609 and 611 require that unverifiable data must be removed. Any attempt to continue reporting this address is considered willful noncompliance. The inclusion of this address may affect my ability to obtain credit, and I demand a complete reinvestigation of this inaccurate address. Failure to remove this address could mislead potential creditors and lenders. I request documentation showing who added this address to my file and why. Immediate deletion is required to maintain the integrity of my credit report. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is being reported with inaccurate late payment information. FCRA Section 623 ( a ) ( 2 ) requires furnishers to provide accurate account histories. I request verification of all late payments, including exact dates and amounts. Failure to provide proof necessitates deletion of the account reporting. Reporting unverifiable late payments constitutes a willful violation of FCRA. I have maintained consistent payment history and dispute any delinquency reporting. I request original signed documentation from XXXX XXXX confirming the alleged late payments. FCRA Section 611 mandates deletion if any information can not be verified. Continued reporting of this inaccurate late payment harms my credit standing. I request a complete account history, including any adjustments or corrections. Any errors in reporting violate federal consumer protection law. I demand written confirmation of deletion or correction for this account. Reporting false delinquency information is materially misleading to lenders. Failure to verify the account in accordance with FCRA requires immediate removal. This account must be corrected or deleted to ensure accurate credit reporting. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX This credit inquiry was made without my authorization. Under FCRA Section 604 ( a ), only inquiries authorized by the consumer may be reported. I did not consent to XXXX XXXX XXXX accessing my credit on this date. I request immediate removal and written confirmation of deletion. Continued reporting of this unauthorized inquiry is unlawful and materially harms my credit profile. I also demand a full investigation into the source and reason for this inquiry. 

Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my authorization and should not appear on my credit report. FCRA Section 604 ( a ) requires consumer consent for all inquiries. I did not authorize XXXX XXXX XXXX XXXXXXXX XXXX to access my credit file. I request deletion of this inquiry and written confirmation. Reporting unauthorized inquiries violates federal law and negatively affects my creditworthiness. 

XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry was unauthorized and inaccurately reported. Under FCRA Section 604 ( a ), only authorized inquiries may be included in a credit report. I did not provide consent to XXXX XXXX  for this credit pull. I request immediate removal and written verification. Continued reporting of unauthorized inquiries constitutes willful violation of FCRA and harms my credit profile. 

XXXX : XXXX XXXX XX/XX/XXXX This credit inquiry is unauthorized and must be removed immediately. FCRA Section 604 ( a ) protects consumers from unauthorized access to their credit information. I did not authorize XXXX XXXX to access my credit file. I request deletion and written confirmation of removal. Reporting this unauthorized inquiry is illegal and materially misleading. 

Inquiry : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my consent. Under FCRA Section 604 ( a ), only inquiries authorized by the consumer may be reported. I did not authorize XXXX XXXX XXXX to pull my credit. I request immediate removal and written confirmation. Continuing to report this unauthorized inquiry violates federal law and harms my credit file. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and is inaccurately reported. FCRA Section 604 ( a ) requires consumer authorization for all inquiries. I request deletion and written confirmation of removal. Reporting unauthorized inquiries is a violation of federal law and negatively affects my credit profile. 

XXXX : XXXX XXXX XX/XX/XXXX This inquiry was made without my consent. Under FCRA Section 604 ( a ), only authorized inquiries may be reported. I did not authorize XXXX XXXX to access my credit file. I request immediate removal and written verification. Continued reporting of this inquiry constitutes unlawful reporting under federal law. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and incorrectly reported. FCRA Section 604 ( a ) requires consumer consent for all inquiries. I did not authorize XXXX XXXX XXXX to access my credit. I request deletion and written confirmation. Continued reporting of unauthorized inquiries is unlawful and harms my credit profile. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX This credit inquiry was made without my authorization and is inaccurately reported. Under FCRA Section 604 ( a ), only inquiries authorized by the consumer may be included in a credit report. I did not provide consent to XXXX XXXX XXXX to access my credit on this date. I request immediate deletion of this inquiry and written confirmation of removal. Continued reporting of unauthorized inquiries is unlawful, materially misleading, and negatively impacts my credit profile. I also demand a full investigation into how and why this inquiry was made. 

I request that CFPB intervene and ensure the following actions are taken : verify the accuracy of all items listed above, provide documentation for each disputed account and inquiry, remove unverifiable or incorrect items, and update my credit report to reflect accurate information. Failure to comply with these requirements violates FCRA Sections 604, 609, and 611 and exposes credit reporting agencies and furnishers to legal accountability. I expect confirmation from CFPB that these matters are resolved and my credit report is corrected to fully comply with federal law.

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