Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Law : FCRA 602 ( A ), 609 ( A ), 611 ( A ) Issue : Wrong address reporting under my credit profile Story : I have never lived at this address, never received mail there, and never used it in connection with any financial or credit applications. Its presence on my report may cause mistaken identity and makes it appear as though I have connections or debts tied to a place I never occupied. Leaving it on file is misleading and creates a false history that affects my credibility with lenders. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Law : FCRA 602 ( A ), 609 ( A ), 611 ( A ) Issue : Inaccurately attached address Story : I have no relationship to this location. I did not reside here, sign leases, or receive services tied to this property. Reporting addresses I never lived at makes my credit profile unreliable and raises red flags about possible identity misuse. This creates unnecessary risk of fraud and damages my reputation as a responsible consumer. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 607 ( B ), 609 ( A ), 611 ( A ) Issue : Inaccurate late payment history on a {$0.00} balance account Story : It makes no sense for a closed account with a XXXX balance to continue reporting late payments. This is misleading because it shows delinquency even though there is no money owed. Lenders reviewing my file assume I defaulted, which unfairly harms my reputation and opportunities for credit approval. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 607 ( B ), 611 ( A ), 615 ( B ) Issue : Charge-off status inconsistent with {$0.00} balance Story : If the balance is {$0.00}, the account should not report as a charge-off. This is contradictory and misleading, creating the impression I defaulted when no debt remains. This unfairly damages my creditworthiness and misrepresents my financial behavior. 

Inquiry : XXXX XXXXXXXX XXXX XX/XX/XXXX Law : FCRA 604 ( A ), 609 ( A ), 611 ( A ) Issue : Unauthorized inquiry Story : I did not authorize XXXX  XXXX to pull my credit on this date. This false inquiry lowers my score and suggests I am seeking credit when I am not. Such misleading information makes me look desperate for credit and must be deleted. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

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