Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint under the authority of the Consumer Financial Protection Bureau regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My consumer rights are being willfully ignored as my credit file contains false addresses, incorrect late payment reporting, unverified collection accounts, and unauthorized inquiries that were made without my consent. These errors are severely damaging my financial reputation, causing me stress, denial of credit opportunities, and reputational harm. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address has never belonged to me and I have no connection to this location. Reporting this address is reckless and harmful to my credit profile, creating confusion, misidentification, and the potential mixing of files. FCRA 609 requires you to maintain accurate identifying information. Keeping this wrong address violates FCRA accuracy standards and puts me at risk for fraud and misrepresentation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address does not belong to me, has never belonged to me, and must be deleted immediately. Allowing wrong addresses to remain creates a false impression of my personal history, which is unlawful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$410.00} Date Opened : XX/XX/XXXX Late Payment I dispute the reporting of late payments. I have always made my payments on time and no verifiable proof exists that I was late. Reporting false late payment history is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting inaccurate information. This account must be corrected to reflect a perfect payment history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$8200.00} Date Opened : XX/XX/XXXX Late Payment I dispute the claim of late payments. I have no knowledge of ever being delinquent on this account. Unless you can provide signed, verifiable, and dated records proving a late payment, this reporting is inaccurate and must be corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Late Payment This late payment status is false. I made my payments as agreed. FCRA Section 609 requires you to provide proof of the alleged late payment. If you can not, you must immediately update this account to Paid As Agreed with no late history. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late Payment The reported late payments are inaccurate and defamatory. I have no recollection of being late. Continued reporting without validation is unlawful under FCRA 611 ( a ) and 623 ( b ). You must correct the payment history immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry. I never requested or authorized credit from this entity. This must be deleted immediately for violating FCRA 604. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry is unauthorized. Reporting this damages my credit profile. Please remove immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This is also unauthorized and unlawful. You must delete immediately. 
These repeated violations of my consumer rights are unacceptable. I am demanding that CFPB investigate these matters and compel the credit reporting agencies and furnishers to correct, remove, or delete all inaccurate, unverifiable, and unauthorized items. 
The continued reporting of false addresses, unverified late payments, unlawful collections, and unauthorized inquiries is in direct violation of FCRA Sections 602, 604, 607, 609, 611, 623 and FDCPA Section 809 ( a ). These actions have caused me ongoing financial and emotional harm. 
I respectfully request that the CFPB take immediate action to hold these entities accountable and require full correction of my credit file.

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