Consumer complaint received 2025-11-04 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 complaint to the Consumer Financial Protection Bureau due to multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal laws. My credit reports are being reported with inaccurate personal information, false account data, and unauthorized inquiries, all of which have caused harm to my creditworthiness and reputation. I am requesting an immediate investigation and correction under federal law. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is inaccurate and not associated with any verified credit account or authorized record belonging to me. Under FCRA 609 ( a ) and 611 ( a ), you are required to verify the source of this address. If unverifiable, it must be deleted immediately. Continued reporting of unverified personal information violates FCRA 607 ( b ), which mandates maximum accuracy in consumer files. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This incorrect address reflects a serious breach of consumer file integrity. Continued inclusion violates FCRA 607 ( b ). Please delete this unverified address and update my file with only accurate and current identifying information. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7200.00} Late Payment This account reflects inaccurate late payment reporting. I have not received any lawful validation of the alleged delinquency, nor any documentation showing verified payment history from the original creditor. Under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ), inaccurate data can not remain if not fully substantiated. FCRA 602A and 607 ( b ) require strict accuracy. The account is therefore disputed and must be deleted unless full proof is produced from the furnisher directly, including signed contract and payment logs. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Late Payment This is a duplicate or inconsistent reporting of the same loan, showing conflicting balances and histories, violating FCRA 607 ( b ) regarding completeness and accuracy. No validated records or promissory note have been provided. The account remains unverifiable under 611 ( a ) ( 1 ) ( A ). Reporting such inconsistent data misleads future lenders and violates FCRA 623 ( b ). Immediate deletion is required if not fully validated. 

INQUIRIES XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized access of my credit file without permissible purpose violates FCRA 604 ( a ) ( 3 ) and 616, which allows for civil liability. I demand removal and confirmation in writing that no further sharing of my credit data has occurred. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize any credit application with this lender. Continued reporting of unauthorized inquiries constitutes a willful violation under FCRA 604 and 607 ( a ). Remove this inquiry immediately. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my consent or permissible purpose. FCRA 604 ( a ) ( 3 ) ( A ) prohibits access without a legitimate credit relationship. Immediate deletion is requested.

These inaccurate and unauthorized items have collectively resulted in severe harm to my creditworthiness, denial of credit opportunities, and emotional distress. The credit bureaus and furnishers have a legal duty under FCRA 607 ( b ) to ensure accuracy, fairness, and privacy in credit reporting. Their ongoing failure to maintain compliance constitutes negligence and willful noncompliance as defined under FCRA 616 and 617, which make them liable for actual, statutory, and punitive damages. 
I request that the Consumer Financial Protection Bureau conduct a full investigation into the reporting and verification procedures used by the credit bureaus and furnishers in this matter. I also request immediate correction and deletion of all inaccurate information, removal of unauthorized inquiries, and assurance of compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act moving forward.

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