Consumer complaint received 2025-08-29 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: NV

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Address Law : FCRA Section 607 ( b ), Section 609, Section 611 Story : This address is not mine and has never belonged to me. Reporting this wrong address connects me to records, accounts, and potential debts that do not belong to me. The FCRA requires maximum accuracy and complete disclosure of information, yet you have failed to provide validation of how this address was associated with me. By failing to delete this unverifiable address, you are violating my rights and damaging my reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Address Law : FCRA Section 609 ( a ), Section 611, Section 607 ( b ) Story : This address is falsely tied to my file and I never lived here. FCRA clearly states that a credit bureau must delete unverifiable or inaccurate information. Continuing to report it after my prior disputes is evidence of noncompliance with federal law. This wrong address creates confusion and misrepresentation of my identity, which harms my creditworthiness. 

XXXX XXXX XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Chargeoff Law : FCRA Section 609, Section 611, Section 623 ( a ) ( XXXX ) ( A ) Story : I do not recognize this account and have never had a relationship with XXXX XXXX XXXX. Under FCRA Section 609 I have the right to see contracts, applications, and payment histories that verify ownership, yet nothing has been provided. Continuing to report this as a chargeoff without proof violates FCRA Section 623 which prohibits furnishing inaccurate information. This account is harming me by showing false debt and must be deleted immediately. 

XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Late Payment Law : FCRA Section 611, Section 623 ( a ) ( 1 ) ( B ) Story : The late payment history on this account is inaccurate and misleading. If the creditor can not produce verifiable payment history proving the alleged lates, then the account is unverifiable under the law. Reporting unproven late payments damages my score and violates FCRA which requires correction of incomplete or inaccurate information. You are required to delete or correct this reporting. 

XXXX XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$120.00} Late Payment Law : FCRA Section 607 ( b ), Section 611 Story : This account is reporting late payments without proper validation. Under the FCRA, maximum accuracy is required, and unverifiable late payments can not remain. I requested proof, such as billing statements and dates, but none was provided. Continuing to report these unverifiable lates violates my consumer rights and must be deleted immediately. 

XXXX XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA Section 623 ( a ), Section 607 ( b ) Story : It is inaccurate to report late payments on a paid {$0.00} balance account. This creates a false impression of delinquency, which FCRA specifically prohibits under Section 623. Since no proper validation has been provided, this derogatory late history is unverifiable and must be deleted. 

XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Late Payment Law : FCRA Section 607 ( b ), Section 611 Story : These reported late payments are inaccurate and unverifiable. The FCRA requires strict accuracy. I requested validation through billing statements and payment records, yet none have been produced. Reporting unverifiable lates damages my reputation and constitutes a violation of FCRA responsibilities. This must be corrected by removal. 

XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA Section 623 ( a ) ( 1 ) ( C ), Section 611 Story : Reporting lates on a {$0.00} balance account is misleading, inaccurate, and unlawful. This gives a false picture of delinquency. The FCRA prohibits the reporting of misleading data and requires correction of inaccurate information. Since no validation has been provided, these lates are unverifiable and must be deleted. 

XXXX XXXX NV XXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection Law : FCRA Section 611, FDCPA Section 809 Story : I dispute this collection entirely. Under FCRA and the FDCPA, I have the right to full validation of the debt. No validation has been provided. Reporting a collection without proof violates federal law and causes harm by damaging my credit reputation. This unverifiable account must be deleted. 

XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Story : This inquiry was unauthorized. FCRA requires permissible purpose for inquiries. No authorization exists for this pull. It is unlawful and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Story : I never authorized this inquiry. FCRA prohibits credit pulls without permissible purpose. This unauthorized inquiry violates my rights and must be removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Story : This inquiry was made without my consent and has no permissible purpose. Reporting it violates the FCRA. It must be deleted immediately. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 Story : This inquiry was unauthorized and unlawful under the FCRA. No permissible purpose existed. Delete immediately. 

ALLY FINANCIAL XX/XX/XXXX Inquiry Law : FCRA XXXX XXXX Story : I did not authorize this inquiry. Reporting an unauthorized inquiry violates FCRA consumer rights. This must be deleted. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 Story : This inquiry was unauthorized and made without my permission. The FCRA prohibits this practice. Delete immediately. 

XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Story : This inquiry was not authorized. No permissible purpose exists under FCRA. This is unlawful and must be deleted. 

XXXX XX/XX/XXXX XXXX XXXX : FCRA Section 604 Story : This inquiry was made without my consent. Unauthorized inquiries are violations of the FCRA and must be removed. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

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