Consumer complaint received 2025-07-11 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:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Inaccurate residential history ; I have no affiliation with this property Law : FCRA 1681e ( b ) mandates accurate address reporting Story : Inclusion of this address suggests either identity theft or incorrect file merging. I am deeply concerned about the security of my credit file. This type of inaccurate data misrepresents my residency history and undermines my credit integrity. It must be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is incorrect and damages my report 's integrity Law : FCRA 1681c mandates removal of obsolete and irrelevant personal information Story : I never authorized or resided at this address. I am not connected to any activity from this location. Reporting this address has led to association with inquiries and accounts that are not mine. This error affects my ability to obtain fair and accurate credit decisions. Please delete this address without delay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Reporting of late payments on an account with XXXX balance and closed status Law : FCRA 1681s-2 ( a ) ( XXXX ) ( A ) prohibits reporting information known to be inaccurate Story : This account was fully paid and closed, yet late payments continue to show. This is misleading and highly damaging to my score. Reporting late payments on an account that has no balance and is no longer active is unjustified and deceptive. This could also indicate improper re-aging of negative items which is unlawful. I request all late payment notations be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Issue : Inaccurate charge-off reporting without proper validation or debt verification Law : FCRA 1681s-2 ( b ) and 1681i require complete investigation and proper verification of debt Story : This account is reporting a charge-off status and a balance, but I have never received a notice of charge-off, full itemization, or validation of this debt. It is causing major damage to my report and credit profile. If this debt can not be validated with original documents and charge-off notice, it must be deleted. Continued reporting without substantiation is unlawful XXXX XXXX XXXX  XX/XX/XXXX Issue : Inquiry conducted without my knowledge or application Law : FCRA 1681b strictly regulates who can access a consumer 's credit file Story : I was not informed of any credit review by this entity. Unauthorized hard pulls like this lower my score unfairly. If XXXX can not show written proof of consent or an application, it must be deleted immediately and investigated for violation of consumer rights XXXX XXXX XX/XX/XXXX Issue : Unauthorized credit pull that I did not initiate Law : FCRA 1681b and GLBA require specific, limited access to consumer reports Story : This is an unauthorized access to my private credit data. I did not consent to any application with this credit union, and this violates my consumer privacy. I request a written explanation and deletion of this entry immediately XXXX XXXX XXXX XX/XX/XXXX Issue : Same as above, potentially duplicate and unauthorized Law : FCRA 1681b and 1681e ( a ) require fair and lawful use of consumer credit files Story : This appears to be a secondary or affiliated inquiry without my involvement. Repeated unauthorized inquiries by the same group raise serious concerns of data misuse. I demand all such inquiries be deleted and investigated for compliance Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

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