Consumer complaint received 2025-08-05 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:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  Law : FCRA 611 [ 15 U.S.C 1681i ] Issue : This is not my address and has never been associated with me.

Story : I am a victim of misreporting or potential identity confusion. This address is unknown to me, and any records tied to it are incorrect. Remove it from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Law : FCRA 611 [ 15 U.S.C 1681i ] Issue : This address is inaccurate and unrelated to my personal history.

Story : I have never resided at this location. It may have been added in error or as a result of a mixed file. Please delete this address to ensure the accuracy of my report. 

ACCOUNT XXXX XXXX XXXX XXXX High Balance : {$100000.00} Date Opened : XX/XX/XXXX * Law : FCRA 611 [ 15 U.S.C. 1681i ] Issue : The late payment reporting is false and damaging.

Story : I never missed a payment on this account. If there was a clerical mistake or third-party error in reporting, it should be corrected. Please verify the accuracy or remove the late payment status immediately. 

XXXX XXXXXXXX XXXX XXXXXXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX * Law : FCRA 611 & 623 [ 15 U.S.C. 1681i & 1681s-2 ] Issue : Late payments are reported incorrectly. 
Story : I challenge the legitimacy of the late payments being shown. I ask for exact billing statements and payment history to support these claims. If not validated properly, this account must be updated or removed per FCRA obligations. 

INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Unauthorized inquiry affecting my credit score Story : I did not authorize this inquiry. It is a violation of permissible purpose standards under the FCRA. Remove it immediately. 

XXXX XXXX XXXX XXXX  Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Inquiry was not approved by me Story : I never applied for credit with XXXX XXXX on this date. This inquiry is unauthorized and must be removed from my report. 
XXXX XX/XX/XXXX Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Inaccurate and unauthorized hard inquiry Story : I did not initiate any application with XXXX on or near this date. Remove this inquiry as it damages my credit unfairly. 

XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Lack of permissible purpose Story : This inquiry is reported without my knowledge or consent. I demand its deletion immediately. 

XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Unauthorized access to credit file Story : I did not give permission for XXXX to pull my credit. This is a breach of federal law. Please delete this entry. 

XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Inquiry was made without consumer initiation Story : I am not affiliated with XXXX XXXX XXXX. Remove this unauthorized inquiry at once. 

XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 [ 15 U.S.C. 1681b ] Issue : Hard pull done without consent Story : I did not apply for any service or product from this company. This inquiry was not initiated or authorized by me. 

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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