Consumer complaint received 2025-08-14 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 formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal.

ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Law : FCRA 604 ( a ) ( 2 ), 611 ( a ) ( 1 ) ( A ), 607 ( b ) You are required to ensure accuracy and can not report addresses not associated with my file through proper verification Issue : This address does not belong to me and has never been my residence, yet it remains listed on my credit file after my prior dispute Story : I have no ownership, rental, or occupancy history at this address and no financial accounts associated with it, its presence suggests mixing of files or identity errors, which can cause association with accounts or activities unrelated to me, I demand removal ACCOUNT XXXX XXXX XXXX XXXX High Balance {$870.00} Date Opened XX/XX/XXXX Late Payment * * Law : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1681s-2 You must maintain maximum possible accuracy and can not continue reporting unverifiable derogatory information Issue : Late payment reporting is inaccurate and unsupported by verifiable payment history from the original creditor Story : I have requested proof of alleged late payments including billing statements and payment histories, none have been provided, this accounts payment history is misreported and harmful to my creditworthiness, I demand deletion or correction to Paid as Agreed INQUIRY XXXX XXXX XXXX Date XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 604 ( f ), 15 U.S.C. 1681b You can not place an inquiry on my credit report without my written authorization or permissible purpose Issue : I did not apply for credit with XXXX XXXX XXXX on this date and no authorization was provided Story : This inquiry is unauthorized, suggests potential identity misuse, and is negatively impacting my credit profile, I demand its removal XXXX XXXX  Date XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) No permissible purpose without consumer authorization Issue : I never applied for credit or financing with XXXX XXXX  on this date Story : The inquiry was placed without my consent and may indicate file contamination, I request immediate deletion XXXX XXXX XXXX Date XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ), 604 ( f ) No permissible purpose without consumers consent Issue : Inquiry made without my knowledge or written approval Story : I have no credit relationship with XXXX XXXX XXXX and never applied for credit on this date, therefore the inquiry is unauthorized and must be removed I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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