Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 607 ( b ) requires consumer reporting agencies to ensure maximum possible accuracy Issue : This address does not belong to me and is being falsely reported Story : I have never lived at or been connected to this address in any way. Its appearance on my report is harmful because it suggests potential mixed files or identity confusion. Incorrect addresses can create a false trail of residency that lenders or creditors may misinterpret as fraudulent activity. I request immediate deletion of this address from my report Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 607 ( b ) accuracy requirement Issue : This is another inaccurate address reported in my file Story : This residence is not mine, and I have never received mail, bills, or had any association with this property. The presence of this wrong address creates unnecessary suspicion during credit checks and can unfairly tie me to accounts or debts that are not mine. Please remove this entry from my credit report immediately Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$65000.00} Late Payment Law : FCRA 609 ( a ) and 611 ( a ) require full disclosure and reinvestigation Issue : Late payment being reported is inaccurate Story : I have consistently maintained this mortgage account responsibly. The late payment being reported is not correct and has no basis in fact. This inaccurate derogatory mark has significantly harmed my payment history, making it appear as though I am an unreliable borrower when that is not true. I request verification with original payment records, and if not verifiable, this late payment must be deleted Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late Payment Law : FCRA 607 ( b ) requires accuracy in reporting Issue : The late payment being reported is inaccurate Story : I have maintained timely payments and have proof of consistent account management. This alleged late payment damages my payment history, unfairly lowering my credit score and suggesting irresponsibility that is untrue. If this late payment can not be verified with original documentation from the creditor, it must be deleted Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Late Payment Law : FCRA 611 ( a ) requires proper investigation upon dispute Issue : The late payment reporting is inaccurate Story : This account has been incorrectly reported as delinquent. I have not missed payments in the manner described, and this information misrepresents my financial behavior. I demand validation directly from the creditor. If it can not be verified with documented evidence, it must be deleted immediately from my file Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Unauthorized credit inquiry Story : I did not authorize this entity to access my credit file. This pull was unauthorized, and I dispute its presence on my report Inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Inquiry without consumer authorization Story : I did not seek credit from this company and never approved this credit check. This inquiry is false and harmful, therefore it must be deleted Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Unauthorized inquiry Story : I never applied with or gave consent to this entity to access my report. This is an error and must be removed Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Inquiry not authorized Story : I have no relationship with this company and never gave them authorization to view my file. This is damaging to my credit score and must be deleted Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Unauthorized hard inquiry Story : I did not apply for financing with this company. This inquiry misrepresents my actions and creates a negative effect on my credit profile. It should be removed immediately Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Issue : Lack of permissible purpose Story : I never requested or approved a credit check from this company. This inquiry is harming my profile and must be deleted This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

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