Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
I am submitting this formal complaint regarding several serious inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Section 602 ( A ), 609, 610, 611, and 623, and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies and unauthorized actions have directly harmed my credit profile, financial standing, and personal reputation. 

XXXX. Incorrect and Fraudulent Addresses Reported The following addresses appearing on my credit report are wrong, inaccurate, and do not belong to me : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are erroneous and must be immediately removed from my credit file. 

XXXX. Inaccurate Late Payments Reporting The following tradelines are reporting false and damaging late payment history : XXXX XXXXXXXX ( Account : XXXX * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$17000.00} ) Incorrect late payment reporting. 

SC XXXX XXXX XXXX ( Account : XXXX * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) False late payment reporting despite a XXXX balance. 

These reports are inaccurate, misleading, and a direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate.

3. Unauthorized and Harmful Hard Inquiries My credit file reflects the following unauthorized inquiries, which I never gave written consent for : XXXX XXXX Auto Fin XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Cards XXXX XX/XX/XXXX These inquiries were made without my knowledge or authorization and violate FCRA XXXX XXXX regarding permissible purposes of consumer reports. 

Requested XXXX I respectfully demand the following corrective actions be taken : XXXX deletion of the inaccurate addresses listed above. 

Permanent removal of all false late payment notations from Capital One and SC XXXX XXXX XXXX accounts. 

Deletion of all unauthorized inquiries listed above. 

Written confirmation from the CFPB and credit bureaus ( Experian, Equifax, TransUnion ) that these corrections have been completed. 

An investigation into the furnishers and entities responsible for knowingly reporting and/or permitting these inaccuracies. 

Legal Rights I remind you that under FCRA Section 611, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete, and the credit reporting agencies are required to conduct a reasonable investigation. Failure to correct and delete inaccurate information within the required timeframe constitutes willful noncompliance and XXXX subject the violators to penalties and legal action. 

I request immediate intervention and enforcement action by the CFPB to protect my consumer rights, restore accuracy to my credit file, and hold the responsible parties accountable.

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