Consumer complaint received 2025-07-22 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 to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Law Issue : Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( c ) ( 2 ) ( A ) and 611 ( a ), I have the right to dispute any information I believe to be inaccurate or incomplete.

Story : This address is not mine and has never been associated with me. Including this address is misleading and may link me to accounts or inquiries that are not mine. I request that you delete this incorrect address from my credit report. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Law Issue : Per FCRA Section 611 ( a ), inaccurate personal information must be investigated and corrected.

Story : I have never lived at or used this address. Its presence on my credit report is causing confusion and potentially affecting my creditworthiness. I request this incorrect address be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late Payment * * Law Issue : Under FCRA Section 611 and Section 607 ( b ), furnishers of information must ensure maximum possible accuracy.

Story : This account is reporting late payments that I do not recognize. I have not received any delinquency notification. I am requesting a full reinvestigation and removal of any unverified or inaccurate data. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff * * Law Issue : FCRA Section 611 mandates that inaccurate, unverifiable, or outdated information be removed upon request.

Story : I was never notified of any charge-off. If the account was settled or is inaccurately reporting, it should be corrected or removed after proper reinvestigation. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA Section 605 ( b ) and Section 611 protect consumers from incorrect derogatory reporting.

Story : This account shows a {$0.00} balance but is reporting a late payment. If the account has been paid in full, there should be no negative mark. I request immediate deletion or correction. 

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7100.00} Chargeoff * * Law Issue : Under FCRA Section 611 and FDCPA regulations, unverified debt must be removed.

Story : I do not acknowledge the accuracy of this charge-off. I have not received itemized debt validation. Until it's fully verified, it must be deleted due to the harm it causes to my credit. 

XXXX XXXX Inquiry XX/XX/XXXX Law Issue : FCRA Section 604 limits consumer report access to permissible purposes only.

Story : I never applied for credit with this company and did not grant consent. This unauthorized inquiry must be removed. 
XXXX XXXX XXXX XXXX  Inquiry XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) ( 3 ) requires consumer authorization for hard inquiries.

Story : I have no dealings with this company and did not authorize this inquiry. I demand its removal. 

XXXX Inquiry XX/XX/XXXX Law Issue : Repeated unauthorized access violates FCRA Section 604.

Story : This second inquiry from the same lender on the same day is highly suspicious and unauthorized. I request both be removed. 

XXXX XXXX Inquiry XX/XX/XXXX Law Issue : Hard inquiries without consumer consent violate FCRA Section 604.

Story : I never applied for any service or product with this entity. This inquiry must be deleted. 

XXXX XXXX Inquiry XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) ( 3 ) requires a legitimate credit application for a hard pull.

Story : I did not authorize this inquiry and have never interacted with XXXX XXXX. This is an unauthorized access and must be removed.

Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

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