Consumer complaint received 2025-08-01 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 submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address Law : FCRA 602 ( A ), 607 ( B ) Issue : This address is inaccurate and does not belong to me Story : I have never lived at or been associated with this address. Reporting this incorrect address is misleading and may be linked to identity theft or mismerged file activity. I request this address be permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address Law : FCRA 602 ( A ), 607 ( B ) Issue : This is not a valid address for me Story : This XXXX XXXXXXXX is not associated with any verified personal, financial, or utility record under my identity. Please remove it immediately as its presence is inaccurate and misleading. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Address Law : FCRA 602 ( A ), 607 ( B ) Issue : I have never lived at this address Story : This address does not belong to me, and I have no past or present association with it. Please investigate and delete this address from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX  Law : FCRA 605 ( b ), 602 ( A ), 609 ( a ) ( 1 ) Issue : This account is inaccurate and contains unverifiable information Story : This account reflects a charge-off status and an outstanding balance that I do not recognize. I have not received any validation of this debt and do not believe this information to be accurate. Please verify the debt, furnish supporting documentation, or delete it permanently. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Chargeoff XXXX XXXX Law : FCRA 609 ( a ) ( 1 ), 602 ( A ), XXXX ( a ) Issue : This charged-off account is being inaccurately reported Story : This XXXX account shows a high balance and charge-off status with no supporting documents provided. I formally request a reinvestigation and full validation under Section 609. If the information can not be verified, it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX  Law : FCRA 609 ( a ) ( 1 ), 611 ( a ), 602 ( A ) Issue : This charge-off is unverified and possibly misreported Story : I never opened this account or authorized any use. If this account is inaccurately attributed to me, it must be removed. I request full documentation or deletion. 

XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX Law : FCRA 611 ( a ), 605 ( b ), 602 ( A ) Issue : Inaccurate and outdated charge-off reporting Story : This account appears incorrect as I have no knowledge of any contract or obligation with XXXX. No valid documentation has ever been provided. I request immediate deletion if it can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX Law : FCRA 611 ( a ), 607 ( b ), 602 ( A ) Issue : Late payments are being reported inaccurately Story : This account reports late payments that I do not recall making late. I request documentation showing the dates and proof of these delinquencies. If verification can not be provided, please remove the negative marks. 

XXXX XXXX XXXXXXXX Late Payment XXXX XXXX  Law : FCRA 611 ( a ), 609 ( a ) ( 1 ), 602 ( A ) Issue : Inaccurate delinquency reporting Story : This account reports a {$0.00} balance but includes late payment data. Its contradictory and misleading. Please validate these details with proper documentation or remove the negative reporting entirely. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX  Law : FCRA 611 ( a ), 607 ( b ), 602 ( A ) Issue : Reported late payments are inaccurate Story : This account is reporting late payments despite showing a {$0.00} balance, suggesting the account is closed. Please investigate and remove any inaccurate derogatory reporting if documentation can not be provided. 

XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 3 ), 602 ( A ) Issue : Inquiry conducted without my consent Story : I never applied for credit with XXXX XXXX XXXX XXXX on or around this date. Please remove this unauthorized inquiry from my file. 

XXXX XX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 3 ), 609 ( a ) ( 1 ) Issue : Inquiry was unauthorized Story : I did not apply for financing or authorize a pull from XXXX. Please remove this inquiry as it may be tied to fraudulent activity or error. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 3 ), 602 ( A ), 611 ( a ) Issue : Unauthorized hard inquiry Story : I did not give any written or electronic consent for this credit pull. It violates my consumer rights and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA 604 ( a ), 602 ( A ) Issue : Unconsented credit inquiry Story : I have no relationship or application with this entity. Please remove this unauthorized inquiry from my credit file. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Law : FCRA 604 ( a ) ( 3 ), 611 ( a ) Issue : Hard inquiry without permissible purpose Story : I did not authorize this credit check and was not applying for any account with XXXX or XXXX XXXX  XXXX Please delete this inquiry immediately. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

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