Consumer complaint received 2025-08-07 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:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX LAW : FCRA 611 & 609 ( c ) ( 2 ) ISSUE : This is not my current or previous address and should not be associated with my credit profile STORY : I have never lived at this address and do not recognize any association with it. It is reporting inaccurately and may be contributing to mixed file or identity confusion. I request its immediate deletion under FCRA guidelines ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX LAW : FCRA 611 & 609 ( c ) ( 2 ) ISSUE : This address is incorrect and not connected to me in any way STORY : I do not have any relationship to this property and it is being falsely reported under my file. I am requesting a reinvestigation and deletion of this incorrect address as required by federal law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAW : FCRA 611, 607 ( b ), 609 ( a ) ( 1 ), 623 ( b ) ISSUE : Late payments are inaccurately reported despite a {$0.00} balance and account resolution STORY : This account reflects a {$0.00} balance and has long been resolved, yet late payments continue to damage my credit profile without proper verification. This appears inaccurate, and unless the creditor can provide full documented evidence, including original signed contracts and payment history, this should be removed XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ( A ), 604 ( f ), 609 ( a ) ( 1 ) ISSUE : Hard inquiry not authorized by me and no application was submitted STORY : This inquiry is invalid and must be deleted. I did not seek credit or financing with XXXX XXXX and this appears to be a case of erroneous reporting or misuse of information INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ( A ), 604 ( f ), 609 ( a ) ( 1 ) ISSUE : Inquiry was pulled without my knowledge or consent STORY : This company accessed my credit file without a permissible purpose and I demand its immediate removal. I request proof of authorization or a certified document showing my consentotherwise, this must be deleted as an unauthorized inquiry I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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