Consumer complaint received 2025-08-26 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple inaccurate addresses, accounts, and inquiries that are damaging my financial profile and violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal protections. I demand immediate reinvestigation, correction, and deletion of these items as required by law. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is inaccurate and does not belong to me. 
Law : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. 
Instruction : Remove this inaccurate address immediately. 
Story : I have never lived at this address, never signed a lease here, nor received mail here. This incorrect information ties me to locations where I have no connection, creating false links to accounts I never opened and exposing me to identity theft risk. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is not mine and is attached to my report in error. 
Law : FCRA 602 ( A ) ensures fair and accurate credit reporting is vital to consumer protection. 
Instruction : Delete this address as it misrepresents my personal identification. 
Story : I have no residency history at this location. This wrong address confuses creditors and lenders who assume I lived there, leading to mismatched account information and denial of fair credit opportunities. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Status : Late Payment Issue : This account reports late payments that are not accurate. 
Law : FCRA 607 ( b ) requires maximum accuracy. 
Instruction : Correct this account history or delete it entirely. 
Story : I consistently made my payments on time. I even have confirmation receipts. Yet this account is showing late payments that never occurred. Because of this error, Ive been labeled as a risky borrower, which has already cost me loan approvals and fair interest rates. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Status : Chargeoff Issue : Reporting as chargeoff without valid proof. 
Law : FCRA 611 ( a ) ( 1 ) ( A ) requires proper reinvestigation when an item is disputed. 
Instruction : Provide validation documents with original creditor records or delete this account. 
Story : I was never provided documentation that this account was charged off. The sudden reporting destroyed my credit score and gave a false impression that I abandoned financial obligations, which is not the case. This inaccurate reporting is hurting my financial reputation and job opportunities where credit checks are required. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Status : Chargeoff Issue : This chargeoff reporting is unverified and inaccurate. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information known to be inaccurate. 
Instruction : Verify or remove this chargeoff account immediately. 
Story : This large account being listed as a chargeoff is devastating. I never received proper billing statements showing this status. Having a {$19000.00} chargeoff listed makes it appear that I am financially irresponsible when in fact the information is incomplete and unproven. This is severely impacting my ability to finance housing and transportation. 

Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} Status : Collection Issue : Collection account is not properly validated. 
Law : FDCPA 809 ( b ) requires debt collectors to provide validation of debt upon request. 
Instruction : Provide complete validation or delete this account. 
Story : I never received a validation notice, no letter, no breakdown of balance, and no proof this debt belongs to me. This false collection is painting me as someone who does not pay obligations. It has caused embarrassing denials for simple services like utilities and rental applications. 

Inquiry XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA 604 ( a ) ( 2 ) states inquiries require consumer consent. 
Instruction : Delete this inquiry. 
Story : I did not apply for any XXXX credit. This inquiry is damaging my score for no reason and makes it look like I am aggressively seeking credit when I am not. 

Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 states permissible purpose is required. 
Instruction : Remove this inquiry. 
Story : I never consented to XXXX XXXX XXXX XXXX pulling my report. This error is lowering my score and making lenders see me as desperate for auto loans. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized credit pull. 
Law : FCRA XXXX prohibits inquiries without a permissible purpose. 
Instruction : Delete immediately. 
Story : I did not seek credit from XXXX XXXX. This is a false entry and it unfairly adds negative points to my credit. 

Inquiry XXXX XXXX XX/XX/XXXX Issue : Inquiry not authorized. 
Law : FCRA 604 compliance required. 
Instruction : Remove this inquiry. 
Story : I never submitted an application to XXXX XXXX. This inquiry creates the impression that I am shopping for loans when I am not. 

Inquiry XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( XXXX ) applies. 
Instruction : Delete inquiry. 
Story : I did not apply for XXXX XXXX credit. This incorrect reporting reduces my credibility with lenders. 

Inquiry XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 requires consumer consent. 
Instruction : Remove inquiry. 
Story : I never authorized XXXX to access my report. It falsely portrays me as pursuing high-risk loans. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Issue : Hard inquiry not authorized. 
Law : FCRA 604 violation. 
Instruction : Delete this inquiry. 
Story : I never contacted XXXX XXXX. This is harming my report by showing false activity. 

Inquiry XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 requires permissible purpose. 
Instruction : Delete. 
Story : I did not apply with XXXX XXXX. The inquiry falsely portrays me as a borrower seeking auto financing. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 violation. 
Instruction : Remove inquiry. 
Story : I never authorized XXXX XXXX. This makes my profile look desperate for loans and hurts my approval chances elsewhere. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry unauthorized. 
Law : FCRA 604 requires permissible purpose. 
Instruction : Delete. 
Story : I did not authorize this credit pull. Its unfair and harmful to my profile. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry unauthorized. 
Law : FCRA 604 compliance failure. 
Instruction : Delete. 
Story : I never applied for a XXXX card. This false inquiry reduces my score and credibility. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 requires permissible purpose. 
Instruction : Delete. 
Story : I never gave consent to XXXX XXXX XXXX. This inquiry is unfairly damaging my credit. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry not authorized. 
Law : FCRA 604 applies. 
Instruction : Delete. 
Story : I never applied for credit with XXXX. This makes me appear as though I am pursuing multiple loans when I am not. 

Inquiry XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604 violation. 
Instruction : Remove inquiry. 
Story : I never authorized this dealer to check my report. This creates false negative points. 

Inquiry XXXX XXXX XX/XX/XXXX Issue : Duplicate inquiry unauthorized. 
Law : FCRA 604 violation. 
Instruction : Delete duplicate inquiry. 
Story : XXXX is reporting multiple times which is inaccurate and damaging, making it seem like I applied multiple times when I did not. 

CFPB, I request that you intervene and hold the credit bureaus and data furnishers accountable for these violations. These false addresses, accounts, and inquiries are clear evidence of inaccurate and harmful reporting practices. I demand deletion, correction, and enforcement of my rights under the FCRA and FDCPA. Please take immediate action to ensure compliance and restore the accuracy of my consumer credit profile.

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