Consumer complaint received 2025-07-10 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:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing ADDRESS DISPUTES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LAW ISSUE : Under FCRA 1681e ( b ), credit bureaus must maintain maximum accuracy of consumer information ISSUE : This address does not belong to me and was never my residence STORY : I have never lived at this location and its presence on my report is damaging and misleading. It may be the result of a mixed or merged file XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LAW ISSUE : FCRA 1681e ( b ) requires reasonable procedures to assure accuracy ISSUE : I have no connection to this address STORY : This address is being falsely reported as mine and may be linked to fraud or another persons file. It must be removed immediately ACCOUNT DISPUTES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Late Payment LAW ISSUE : FCRA 1681s-2 ( a ) prohibits furnishing inaccurate information to CRAs ISSUE : I was not late on this account and this reporting is false STORY : I maintained timely payments, and the record of lateness is an error. I demand proper investigation and removal if not validated in writing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Chargeoff LAW ISSUE : FCRA 1681s-2 ( b ) obligates furnishers to correct inaccurate data after notice ISSUE : Account listed as charge-off in error STORY : I was actively communicating with the lender for a resolution. Labeling this account as charged-off without proper investigation is inaccurate and harmful XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Late Payment LAW ISSUE : FCRA 1681i ( a ) and 1681s-2 ISSUE : Inaccurate reporting of late payments STORY : I faced temporary hardship due to job loss during the pandemic. I notified the servicer and requested forbearance. Late marking during this time is unfair and should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment LAW ISSUE : FCRA 1681s-2 ( a ) inaccurate reporting ISSUE : Lateness not properly substantiated STORY : Like the above, my student loans were under financial hardship and communication was maintained. These late payments misrepresent the situation and are unjust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late Payment LAW ISSUE : FCRA and CARES Act protections ISSUE : Late payment during federally declared hardship STORY : The reporting ignores COVID-19 relief measures and updates. This should be corrected immediately and documentation produced if verified HARD INQUIRY DISPUTES XXXX XXXX XXXX XX/XX/XXXX XXXX ISSUE : FCRA 1681b ( c ) prohibits inquiries without permissible purpose ISSUE : No authorization given for this inquiry STORY : I never applied for credit from this company. This inquiry violates my rights and must be removed XXXX XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA 1681b ISSUE : Inquiry made without my permission STORY : I did not initiate or consent to a credit application with XXXX. This inquiry is harming my score and must be deleted XXXX XXXX XXXXXX/XX/XXXX LAW ISSUE : FCRA 1681b ( a ) ( 3 ) ISSUE : Inquiry unauthorized STORY : I never applied for financing through XXXX and XXXX unaware of this pull until reviewing my report. This was done without my knowledge XXXX XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA 1681b ISSUE : No permissible purpose STORY : I did not authorize or intend to apply with XXXX XXXX XXXX This inquiry is misleading and negatively impacts my profile XXXX XXXX XXXX XX/XX/XXXX LAW ISSUE : Same as above ISSUE : Duplicate unauthorized inquiry STORY : This is a duplicate pull from the same institution. I did not authorize multiple checks and request this be deleted XXXX OF XXXX XX/XX/XXXX LAW ISSUE : FCRA 1681b ( c ) ( 1 ) ISSUE : No consent provided STORY : I did not apply for any vehicle credit from XXXX of XXXX. This inquiry is fraudulent and must be removed XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX LAW ISSUE : FCRA 1681b ISSUE : Rental inquiry made without my intent STORY : I never applied for a rental or gave permission for this pull. This could be identity theft related and needs to be deleted XXXX XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA 1681b ISSUE : Inquiry done without permissible purpose STORY : I have no relation or application with XXXX XXXX. This is an error or possibly identity confusion and needs immediate removal XXXX XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA 1681b ISSUE : Inquiry unauthorized STORY : I was never present at or applied through this dealership. They have pulled my credit without right Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

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