Consumer complaint received 2025-05-31 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:
I am writing to file a formal complaint regarding multiple inaccurate items being reported on my credit file, despite my prior disputes with the credit bureaus and furnishers. These errors are seriously impacting my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq. I have not filed an identity theft report, as I am disputing these items on the basis of factual inaccuracy and lack of proper authorization, not identity theft. 

XXXX. Incorrect Addresses The following addresses are appearing on my credit report, but I have never lived at or been associated with these locations : XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Their presence suggests serious reporting errors. Under FCRA 1681e ( b ), credit bureaus are obligated to follow reasonable procedures to ensure maximum accuracy. Including addresses unconnected to me violates that obligation. 

Law Referenced : FCRA 1681e ( b ) XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX * This account is inaccurately reporting a late payment. I have disputed this with the credit bureaus but the entry remains. Credit furnishers must investigate disputes and remove any unverifiable or inaccurate data under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ). 

Law Referenced : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ), 1681e ( b ) XXXX. Bankruptcy Reporting There are two entries related to bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXderal Ref # XXXX If this bankruptcy has been discharged or resolved, the credit bureaus and furnishers are required to update their records accordingly and timely. Misreporting or outdated data violates FCRA 1681c ( a ) ( 1 ) and 1681e ( b ).

Law Referenced : FCRA 1681c ( a ) ( 1 ), 1681e ( b ), 1681i ( a ) 4. Unexplained and Potentially Unauthorized Hard Inquiries The following companies have pulled my credit without my knowledge or without any credit application or account relationship : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX did not authorize these inquiries, and I did not apply for credit with these companies. Under FCRA 604 ( a ) ( 3 ), access to consumer reports must be based on a permissible purpose. Reporting these inquiries without my knowledge or consent violates FCRA 1681b ( f ).

Law Referenced : FCRA 1681b ( f ), 604 ( a ) ( 3 ) Requested Resolution : I am requesting the CFPBs assistance in the following : Immediate deletion of the incorrect addresses listed above Removal or correction of the inaccurately reported late payment on the XXXX account Accurate update or removal of the bankruptcy information, if it is outdated or incorrectly reported Full investigation and removal of all credit inquiries for which there is no permissible purpose or my consent Reinvestigation of all disputed items as required by FCRA 1681i, with results sent to me in writing A complete updated credit report reflecting these corrections These inaccuracies are unjustly harming my credit score and financial opportunities. I request full compliance with the law by all credit reporting agencies and furnishers involved.

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