Consumer complaint received 2025-09-02 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: PA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies on my credit report that have caused significant harm to my creditworthiness, financial stability, and personal peace of mind. I have identified several accounts, inquiries, and addresses that are incorrect, incomplete, or improperly reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including sections 1681i ( duty to reinvestigate disputed information ), 1681e ( b ) ( accuracy of reporting ), and 1681s-2 ( a ) ( responsibilities of furnishers ). These inaccuracies have resulted in improper late payments, charge-offs, collections, and unauthorized inquiries appearing on my credit report, all of which I dispute and request immediate correction or deletion. 

Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This address is inaccurately reported on my credit report and has never been associated with me as a residence or mailing address. Under FCRA Section 609 ( a ) ( 1 ), I have the right to request all documentation and verification that a credit bureau has relied upon to report this address. Reporting an address that can not be verified violates my rights to accurate and complete reporting under FCRA Sections 602 ( a ) and 607 ( b ). Inaccurate address reporting can lead to mistaken identity, fraud, or misattribution of debts and inquiries, directly impacting my creditworthiness. Previous disputes regarding this address were not properly investigated, as I received no documentation proving its validity. I demand a thorough reinvestigation, including contact with any creditor or data furnisher that reported this address, and immediate correction or deletion if verification can not be provided. Maintaining an unverified address on my credit file constitutes a violation of federal law and creates a misleading representation of my personal information, which is actionable under FCRA. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Credit Limit : {$300.00} | Reported Issue : Late Payments The late payments reported on this account are entirely inaccurate and unsupported by any verified documentation. FCRA 1681i ( a ) ( 1 ) ( A ) requires the credit bureau to conduct a reasonable reinvestigation of any disputed information, yet these false late payments remain. I have maintained timely payments as confirmed by my bank statements. The repeated reporting of these false delinquencies has caused unjust harm to my credit score, leading to denied credit applications and higher interest rates. Furthermore, the furnishers failure to ensure accurate reporting violates FCRA 1681s-2 ( b ), which mandates furnishers to report only correct and verifiable information. I demand immediate deletion of all late payment entries and confirmation of correction. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$12000.00} | Reported Issue : Late Payments This account shows multiple late payments that do not align with my actual payment history. Reporting inaccurate late payments is a violation of FCRA 1681s-2 ( b ), obligating furnishers to verify and report only accurate information. I have proof of on-time payments for all periods cited, and the failure to validate these entries demonstrates a clear disregard for federal law. These false entries have materially impacted my creditworthiness, limiting my access to credit and increasing borrowing costs. I demand immediate removal of all incorrect late payment records and proper verification of any valid information before it is reported again. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$200.00} | Reported Issue : Charge Off This account has been inaccurately reported as a charge-off, a severe derogatory mark. Under FCRA 1681i ( a ), the bureau is required to reinvestigate disputed information thoroughly and remove any unverifiable negative entries. I have consistently maintained this account in good standing, and the charge-off is unsubstantiated. The reporting of this false charge-off has caused demonstrable financial harm, affecting my ability to secure new credit and negatively influencing my overall credit profile. The furnishers failure to provide accurate documentation also constitutes a violation of FCRA 1681s-2 ( b ). Immediate deletion of this charge-off is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$2900.00} | Reported Issue : Collection This collection is being reported in error. FCRA 1681i ( a ) ( 1 ) ( A ) mandates proper verification of disputed accounts, yet the bureau failed to obtain sufficient evidence before reporting. I do not recognize this debt, nor has the creditor provided verification. Reporting an unverified collection item harms my credit score and misrepresents my financial reliability to lenders. Continued reporting without verification violates FCRA 1681i and 1681s-2, and I demand the immediate removal of this collection from my credit file. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX This inquiry was made on my credit report without my knowledge or authorization. Under FCRA Section 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a credit report if the consumer has authorized the request or if it falls under a permissible purpose. I never provided consent, nor did I initiate any transaction with XXXX XXXX XXXX that would justify this inquiry. Reporting an unauthorized inquiry constitutes a violation of FCRA Sections 602 ( a ) and 607 ( b ) because it misrepresents my credit activity and negatively impacts my credit score. Such inaccuracies can reduce my creditworthiness and lead to financial harm. I demand immediate removal unless the bureau can produce valid documentation proving my consent or a legally permissible reason for the inquiry. 

Inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry appears on my credit report without my authorization. As per FCRA Section 604 ( a ) ( 3 ), any inquiry must be initiated with explicit consumer authorization or for a permissible purpose, such as an existing credit transaction. I did not authorize this inquiry, nor have I applied for any account or service that would allow XXXX XXXX XXXX XXXXXXXX to access my report legally. Reporting an unauthorized inquiry is a violation of FCRA Sections 602 ( a ), 607 ( b ), and 611 ( a ), as it undermines the accuracy and integrity of my credit report. Unauthorized inquiries can unjustly lower my credit score, create a misleading financial profile, and constitute an actionable violation under federal law. I request immediate deletion unless verifiable evidence is provided to justify this inquiry. 

I request that CFPB assist in enforcing my rights under the FCRA and ensure that these inaccurate accounts, addresses, and inquiries are corrected or deleted. These items have caused financial damage, credit denials, higher interest rates, and emotional distress. I seek immediate reinvestigation, verification, and correction of all listed items and demand a written confirmation of the results.

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