Consumer complaint received 2025-09-03 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: OK

Complaint narrative:
I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OK XXXX This address is being reported incorrectly and is not accurate for my current or past residence history. No supporting documentation such as rental agreements, lease contracts, or verified bills have been provided to justify its inclusion. 
Story : When I initially reviewed my report, I was surprised to find this address listed. I have never maintained long-term residency here that would qualify it as a permanent or valid reporting item. According to 15 U.S.C. 1681e ( b ), the credit bureaus are obligated to ensure that all information they report is accurate. Reporting an unverifiable address creates confusion and paints a misleading picture of my identity and residence history. No validation has been produced to substantiate this address, and under the FCRA, unverifiable or inaccurate items must be permanently deleted. Continuing to display this false address on my file violates my rights as a consumer and undermines the accuracy of my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX This address is also being inaccurately reported. It does not reflect my verified residence history, and no legal documents or evidence have been shown to confirm its validity. 
Story : After conducting my review, I realized that this address has been incorrectly attached to my name. I did not establish long-term occupancy or provide authorization for this to be linked to my profile. Under 15 U.S.C. 1681i ( a ), the credit bureaus must properly reinvestigate disputed items and remove any unverifiable information within 30 days. Since no validated documentation has been presented, the continued reporting of this address constitutes willful non-compliance with federal law. Allowing an inaccurate address to remain on file not only affects my personal credibility but also places me at risk of identity confusion or fraud. As the law makes clear, unverifiable information can not legally remain on a consumers credit file, and this entry must therefore be deleted immediately. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX  This account has been reported as charged-off despite showing a XXXX balance. Once again, this is a direct contradiction that violates the accuracy standards under 1681e ( b ). A charge-off indicates an unpaid financial obligation, but a XXXX balance shows no liability exists. Reporting both simultaneously is misleading, damaging, and fails to provide a clear and accurate status. Additionally, under 623 [ 15 U.S.C. 1681s-2 ], furnishers are legally prohibited from reporting information they know, or should know, is inaccurate. The continued presence of this account after my first dispute shows that the reinvestigation process under 611 was either incomplete or improperly conducted. The law requires you to provide original source documents, including the signed loan agreement, a complete record of payments, and charge-off records from the creditor. None of this has been provided, which means the tradeline is unverifiable. Inaccurate reporting of a charge-off with no balance is considered willful noncompliance under the FCRA, and I reserve my right to seek legal remedies if not corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection XXXX This alleged collection account shows a XXXX balance, which raises serious concerns about the legitimacy of the debt. Reporting a collection account as active with a XXXX balance is both contradictory and misleading. According to 1681e ( b ), all data furnished must be complete and up to date. If there is no outstanding balance, then this account should not be reported as a collection, as it falsely implies ongoing derogatory activity. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits any misrepresentation of debt status or amount. The collector has not provided a lease agreement, itemized statement of alleged charges, or proof of assignment authorizing them to collect. Without these, this account is unverifiable. The FCRA requires full reinvestigation, not surface-level verification. Keeping this on my credit report after I already disputed it demonstrates a failure to comply with 611 reinvestigation requirements. Because this is misleading and harmful, I demand permanent deletion. Continuing to report unverifiable collection accounts constitutes reckless disregard of consumer protection laws. 

XXXX XXXX XX/XX/XXXX Inquiry This is a second unauthorized inquiry by XXXX on the exact same date, which is especially suspicious. Reporting duplicate inquiries without authorization compounds the harm to my credit score and misrepresents my activity. Under 604, each inquiry must have a permissible purpose, and duplicate pulls without consumer authorization clearly lack one. I did not initiate multiple applications, and no creditor may access my report without a legitimate reason. The reinvestigation process requires proof in the form of an application, written consent, or account relationship, none of which has been presented. This second inquiry demonstrates negligence and possible abuse of access to my personal credit data. Reporting agencies must remove unverifiable inquiries uXXXX XXXX XXXXnuing to display duplicate unauthorized inquiries is damaging, misleading, and unlawful. I am demanding immediate deletion of this second XXXX inquiry. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry from XXXX XXXX is also unauthorized. I did not submit an application or give consent for my credit report to be accessed on the reported date. Under the FCRA 604, permissible purpose is mandatory for any credit inquiry. Without consent, this pull was unlawful and harmful to my credit reputation. Hard inquiries lower my score and suggest to lenders that I am actively seeking credit, which is not true in this case. The reinvestigation standard under 611 requires more than a simple verification ; it requires documented proof. If XXXX XXXX can not produce evidence such as a signed credit application, then this inquiry is unverifiable. Reporting agencies can not continue to display items that can not be proven through original source documentation. Allowing unauthorized inquiries to remain is considered reckless disregard of consumer rights under the FCRA. I demand that this inquiry be removed immediately. 

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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