Consumer complaint received 2025-08-05 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:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX WRONG ADDRESS Law : FCRA 602 ( a ), 607 ( b ), 611 ( a ) Issue : This address is inaccurately listed on my credit report and does not belong to me. 
Story : I have never lived at or been associated with this address. Its presence is a clear violation of your obligation to report accurate and verifiable information. Continuing to list this address after my initial dispute shows a failure to maintain reasonable procedures. Remove this address immediately as it is damaging my credit profile and causing confusion with account ownership. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS Law : FCRA 602 ( a ), 607 ( b ), 611 ( a ) Issue : This address does not belong to me and is being reported without verification. 
Story : I do not and have never lived at this location. This incorrect address creates a false association and may have led to erroneous account linkages. Reporting this address again after dispute shows non-compliance with FCRA requirements. Remove this address as it is not connected to my identity or credit profile. 

PUBLIC RECORD XXXX XXXX XXXX  Reference # XXXX Court : XXXXXXXX XXXX  Court Law : FCRA 607 ( b ), 611 ( a ), 1681c Issue : Bankruptcy reporting must be 100 % accurate, verified with actual court records, and must not include outdated or unverifiable public data. 
Story : I am requesting proof that this bankruptcy was directly verified with the XXXXXXXX XXXX XXXXXXXX as required. Third-party vendors like XXXX or XXXX do not meet FCRA standards for direct verification. Without direct confirmation from the court clerk along with actual documentation, you must delete this item. Continued reporting of unverified public records constitutes willful non-compliance and opens you to regulatory complaint and potential legal action. 

XXXX XXXX XXXX Date : XX/XX/year> Law : FCRA 604 ( a ) ( 3 ), 607 ( a ) Issue : No permissible purpose exists for this inquiry, and I did not give consent. 
Story : This inquiry was made without my knowledge or any initiated application from me. There is no existing business relationship that would justify this access. Under FCRA, you are obligated to ensure all inquiries are lawful and properly documented. Remove this inquiry immediately or provide physical documentation proving authorization. 

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

Company response to consumer: Closed with explanation