Consumer complaint received 2025-09-22 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: MI

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report is showing inaccurate, incomplete, and misleading information that is harming my credit profile, violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. I have tried to resolve this matter directly with the credit bureaus and furnishers but my previous disputes have not been handled properly, and they have failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. The continued reporting of these accounts and inaccurate information is causing me emotional distress, financial harm, and denial of credit opportunities, and I am requesting CFPBs intervention to have these accounts investigated and corrected or permanently deleted from my credit report. 

XXXX XXXX XXXX XXXX, MI XXXX Address This address is being reported inaccurately and has no connection to me. Its inclusion suggests a residence history that is false, which impacts my creditworthiness. Under the FCRA, you must follow reasonable procedures to ensure accuracy. Failure to remove this address after my prior dispute indicates noncompliance with FCRA 611 ( a ), which requires you to conduct a reasonable reinvestigation. I demand proper verification with original source records, and without proof, you must delete it to maintain a fair and accurate consumer report. 

XXXX XXXX XXXX XXXX, MI XXXX Address This is a duplicate variation of the first wrong address and it too is incorrect. Reporting duplicate wrong addresses increases the harm and risk of identity fraud. Under FCRA 607 ( b ), duplicate inaccurate information can not remain after a dispute. I request that you remove this address immediately and confirm its deletion. Continued reporting will be considered willful noncompliance and I will escalate to the CFPB and Attorney General if necessary. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This account is reporting a late payment that is not accurate, complete, or verifiable. Under FCRA 607 ( b ) you must maintain maximum possible accuracy and under 611 ( a ) you must conduct a reasonable reinvestigation when a consumer disputes information. I have never been provided with any original signed record, statement, or payment history proving that I was actually late. Reporting a late payment without furnishing this proof violates my rights under FCRA and causes direct harm to my credit standing. Because this account reports a {$0.00} balance, there is no logical reason to continue showing a delinquency that is not supported by evidence. This negative item is reducing my credit score, causing higher interest rates, and limiting my ability to obtain fair credit terms. FCRA 609 also grants me the right to know the method of verification, which you have failed to provide in prior responses. I am requesting either full documentation, including original creditor confirmation of delinquency, or immediate deletion. Failure to comply will be considered willful noncompliance under FCRA 616 and negligent violation under 617, and I am prepared to escalate this matter to the CFPB, FTC, and take legal action if necessary. 

XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Collection * * This collection account is being reported without proper validation or proof of ownership. I have never received a debt validation notice as required under the FDCPA 809, and therefore this account can not be legally collected or reported. FCRA 611 requires a reasonable reinvestigation and proper verification from the furnisher, which must include a signed agreement, full account history, and proof that this debt belongs to me. If you can not provide these documents, this account must be deleted immediately to maintain maximum possible accuracy under FCRA 607 ( b ). Reporting unverifiable collections creates a false and damaging credit history that interferes with my ability to secure housing, employment, and fair credit terms. I have disputed this multiple times and you have not provided the method of verification as required under FCRA 609 ( a ). This continued reporting after dispute constitutes willful noncompliance and negligent harm under 616 and 617 of the FCRA. If you do not remove this collection, I will escalate to the CFPB and consider pursuing damages for continued harm, including emotional distress and financial losses caused by this false report. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was made without my consent and I never applied for credit with XXXX XXXX on this date. It violates FCRA 604 as no permissible purpose exists. The inquiry misrepresents my credit behavior, creating the false impression I am seeking multiple new accounts. After XXXX prior disputes, your failure to remove this inquiry demonstrates negligence. Reporting this unauthorized inquiry lowers my XXXX XXXX and affects loan approvals and interest rates. FCRA 607 ( b ) mandates maximum possible accuracy, which is not met here. The continued presence of this inquiry harms my financial reputation and creates emotional distress. Your agency has a legal obligation to delete unverifiable information under FCRA 611 ( a ) ( 5 ). I am formally demanding immediate removal of this item. 

XXXX XXXX XX/XX/XXXX Inquiry I never authorized XXXX XXXX to pull my credit report. Under FCRA 604 ( a ) ( 3 ), any credit report access must be with consumer consent or a permissible purpose. No evidence of such consent exists. Continued reporting misleads lenders and suggests I was seeking credit I did not request. This inquiry has already lowered my XXXX XXXX, impacting my ability to secure favorable credit terms. FCRA 607 ( b ) requires accurate reporting, and 611 ( a ) ( 5 ) requires deletion of unverifiable items. Maintaining this inquiry despite prior disputes shows willful disregard for the law. The repeated failure to correct this inaccuracy demonstrates negligent noncompliance. I am demanding immediate deletion of this inquiry. It is causing financial and emotional harm. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX has no permissible purpose for this inquiry, which violates FCRA 604. I never applied for credit or authorized this pull. The inquiry misrepresents my credit habits and lowers my creditworthiness. FCRA 607 ( b ) requires maximum possible accuracy, which your reporting fails to meet. I have previously disputed this inquiry, yet no verification or documentation was provided. Continued reporting after prior disputes is unlawful under FCRA 611 ( a ) ( 5 ). This inaccurate inquiry is affecting loan applications, insurance rates, and my overall financial stability. The presence of this inquiry is also creating emotional distress. Legal requirements mandate deletion of unverifiable information. I demand immediate removal to comply with federal law. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not provide XXXX XXXX permission to pull my credit. This unauthorized inquiry violates FCRA 604 ( a ) ( 3 ). Reporting it falsely implies I sought financing from XXXX, which is inaccurate and damaging. FCRA 607 ( b ) requires reporting accuracy, and repeated reporting after prior disputes violates 611 ( a ). The presence of this inquiry has lowered my XXXX XXXX and negatively impacted other credit approvals. It is misleading to future lenders. Continued reporting constitutes negligent noncompliance. This item is also causing emotional and financial distress. Legal compliance requires its deletion. I demand immediate action to remove this inquiry from my report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I never authorized XXXX XXXX XXXX to access my credit file. FCRA 604 ( a ) ( 3 ) requires a permissible purpose, which is not present. Reporting this inquiry inaccurately implies I was actively seeking credit. FCRA 607 ( b ) mandates maximum accuracy, which is violated by continued reporting. After previous disputes, your failure to delete this inquiry violates XXXX ( a ) ( XXXX ). The inquiry is negatively affecting my XXXX XXXX, increasing interest rates, and reducing available credit options. It is also causing emotional distress. Maintaining unverifiable inquiries is unlawful. I demand deletion immediately to restore my credit profile and comply with federal law. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was unauthorized and violates FCRA 604. I never applied for credit with XXXX on this date. Repeated reporting misrepresents my credit behavior and lowers my creditworthiness. FCRA 607 ( b ) requires maximum accuracy, and continued reporting without verification violates 611 ( a ). The inquiry has caused higher interest rates on other credit applications and limited access to credit. It is misleading to lenders and damaging to my financial reputation. I am experiencing emotional distress from this inaccuracy. Legal compliance requires deletion of unverifiable inquiries. I demand this inquiry be removed immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I never authorized XXXX XXXX XXXX  to pull my credit report. This violates FCRA 604 ( a ) ( 3 ). Reporting it falsely implies I sought credit and harms my credit profile. FCRA 607 ( b ) requires accuracy ; 611 ( a ) ( 5 ) requires deletion if unverifiable. After prior disputes, continued reporting demonstrates negligence. This inquiry has lowered my XXXX XXXX and negatively impacted loan approvals. It is misleading to future lenders and causing emotional and financial harm. Maintaining this inquiry is unlawful. I demand immediate deletion to comply with federal law. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize XXXX XXXX XXXX XXXX to access my credit file. This unauthorized inquiry violates FCRA 604 ( a ) ( 3 ). Reporting it inaccurately implies I applied for financing, damaging my creditworthiness. FCRA 607 ( b ) requires maximum accuracy; continued reporting after disputes violates 611 ( a ) ( 5 ). This inquiry has lowered my XXXX XXXX and affected interest rates and loan approvals. It is misleading to potential creditors and creates unnecessary emotional distress. Continued reporting is unlawful. I demand immediate deletion of this item. 

XXXX XXXX XXXX XX/XX/XXXX XXXX I never authorized XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. This is a violation of FCRA 604 ( a ) ( 3 ). Reporting it falsely indicates active credit seeking, damaging my XXXX XXXX. FCRA 607 ( b ) requires accurate reporting; continued reporting after disputes violates 611 ( a ) ( 5 ). This inquiry has limited my credit options and negatively impacted loan terms. It is misleading and damaging to my financial profile. I am experiencing emotional and financial distress. Maintaining this inquiry is unlawful. XXXX deletion is required. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This repeated inquiry was unauthorized and violates FCRA 604. I never gave consent. Reporting it inaccurately harms my XXXX XXXX and suggests active credit seeking. FCRA 607 ( b ) requires maximum accuracy ; continued reporting violates 611 ( a ) ( 5 ). This repeated reporting is negligent and damaging. It affects interest rates and approval odds on other credit. It is misleading to lenders. Emotional and financial harm continues. I demand immediate deletion. 

XXXX XXXX XXXX XX/XX/XXXX XXXX This inquiry is unauthorized and unverifiable. FCRA 604 requires permissible purpose, which is absent. Continued reporting is inaccurate and damages my XXXX XXXX. FCRA 607 ( b ) mandates maximum accuracy ; repeated disputes show failure to comply with 611 ( a ) ( 5 ). The inquiry is negatively impacting loan approvals and interest rates. It misrepresents my credit behavior. Maintaining it is unlawful. Emotional distress has occurred. I demand immediate deletion. 

XXXX XXXX XX/XX/XXXX XXXX This inquiry was never authorized by me. FCRA 604 ( a ) ( 3 ) requires a permissible purpose. Continued reporting is inaccurate and misrepresents my credit behavior. FCRA 607 ( b ) requires accuracy ; continued reporting after prior disputes violates 611 ( a ) ( 5 ). This is damaging my creditworthiness and causing financial harm. Misleading to lenders. Emotional distress present. Maintaining this inquiry is unlawful. Immediate deletion is demanded. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was made without consent and violates FCRA 604. Reporting it falsely implies I applied for credit. FCRA 607 ( b ) requires accuracy; continued reporting after disputes violates 611 ( a ) ( XXXX ). It has harmed my XXXX XXXX and limited my credit options. Misleading to lenders. Emotional and financial distress. Maintaining this inquiry is unlawful. XXXX deletion required. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized inquiry ; violates FCRA 604 ( a ) ( 3 ). Falsely indicates I sought credit. Lowers XXXX XXXX and affects loan approvals. FCRA XXXX ( b ) requires accuracy ; continued reporting violates 611 ( a ) ( 5 ). Misleading and damaging. Emotional and financial distress. Maintaining this inquiry is unlawful. Immediate deletion demanded. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized, unverifiable, violates FCRA 604. Misrepresents credit behavior, lowering score. FCRA 607 ( b ) requires accuracy ; 611 ( a ) ( 5 ) requires deletion. Damaging to financial reputation. Misleading to lenders. Emotional distress. Legal compliance requires deletion. Immediate removal demanded. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized, unverifiable, violates FCRA 604. Misrepresents credit seeking, lowering score. FCRA 607 ( b ) mandates accuracy ; continued reporting violates 611 ( a ) ( 5 ). Damaging to loan approvals, interest rates, and financial reputation. Emotional distress and financial harm. Immediate deletion required by law. 

I request CFPB to ensure all these accounts are thoroughly investigated in compliance with FCRA 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), and if the furnishers and credit bureaus can not provide verifiable documentation proving the accuracy of the reporting, they must delete these accounts and late payments from my credit profile. Continued inaccurate reporting is a violation of federal law and must be addressed immediately.

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