Consumer complaint received 2025-08-19 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 filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Law : FCRA 609 ( a ) ( 1 ) ( A ) and FCRA 611 ( a ) require accurate and verifiable address information on my credit report Issue : This address does not belong to me and is being falsely associated with my profile, creating confusion and possible mixed file issues Story : I have never lived at or used this address in any financial or personal transaction, and keeping it on my report misrepresents my true identity and history Instruction : Immediately delete this address from my credit file as it is inaccurate and unverifiable Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$340.00} Late Payment Law : FCRA 602 ( A ), 607 ( B ), and FCRA 609 ( a ) ( 1 ) require complete accuracy and proper verification of all reported account information Issue : This account is reporting late payment that is inaccurate and not supported by factual records Story : I made my payments on time, yet the bureau continues to report this as late. I previously disputed this account, but the reinvestigation was not properly conducted and the error remains. This is damaging my creditworthiness and violating my consumer rights under federal law Instruction : Reinvestigate this account thoroughly and remove the inaccurate late payment reporting if the furnisher can not provide full proof of accuracy Inquiry XXXX  XXXX XXXX XXXXXX/XX/XXXX Law : FCRA XXXX ( a ) ( XXXX ) and XXXX ( f ) require permissible purpose for all inquiries Issue : This inquiry was not authorized by me and has no legitimate business purpose Story : I did not apply for any credit or service with this company, and the inquiry is lowering my credit score unfairly Instruction : Delete this unauthorized inquiry immediately Inquiry XXXXXXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Issue : No permissible purpose, unauthorized inquiry Story : I never applied for financing with XXXX  and did not authorize this pull Instruction : Remove this inquiry from my report Inquiry XXXX XXXX XXXXXX/XX/XXXX Law XXXX FCRA 604 ( a ) ( 2 ) and 604 ( f ) Issue : Unverified and unauthorized inquiry Story : I did not seek or authorize credit with this company and its presence is damaging my score Instruction : Delete immediately Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Issue : Inquiry placed without my consent Story : I never requested credit or services from XXXX XXXX, therefore this is fraudulent Instruction : Remove this inquiry Inquiry XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Issue : Inquiry not authorized and no permissible purpose Story : I never authorized XXXX XXXX XXXX  to pull my report and XXXX have no existing or attempted relationship with them Instruction : Delete this inquiry Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Issue : Unauthorized inquiry Story : I did not initiate any credit application with this dealership Instruction : Remove immediately Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Issue : Unauthorized and invalid inquiry Story : I did not seek credit or authorize this company to access my report Instruction : Delete immediately Inquiry XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Issue : Inquiry made without permissible purpose Story : I never authorized this dealership to access my file Instruction : Remove this inquiry Inquiry XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Issue : Unauthorized inquiry Story : I did not initiate any application with this company and did not give permission for this access Instruction : Delete immediately Inquiry XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) and 604 ( f ) Issue : Inquiry is unauthorized and has no permissible purpose Story : I never applied for credit or financing with XXXX XXXX XXXX, so this should not appear Instruction : Remove this inquiry I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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