Consumer complaint received 2025-09-30 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 CFPB because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been violated by the reporting of false addresses, inaccurate account information, and unauthorized inquiries. I never authorized or verified some of these records, and they are harming my credit profile, employment opportunities, and financial stability. I request a full reinvestigation and deletion of all inaccurate items listed below, and I am requesting CFPB to hold the credit reporting agencies and furnishers accountable under federal law. 

Address XXXX XXXX XXXX XXXX, CA XXXX This address does not belong to me, nor have I ever lived, worked, or received mail at this location. Its continued presence on my credit report is inaccurate, misleading, and causes unnecessary confusion with lenders who review my file. By attaching me to an address I have no connection with, your system is presenting false information about my identity. FCRA Section 607 ( b ) requires you to follow reasonable procedures to ensure maximum possible accuracy, and allowing this unverifiable address to remain is a direct violation of that responsibility. The inclusion of this wrong address also raises concerns about possible mixed files or identity errors, which can severely damage my reputation and ability to obtain credit. Section 611 of the FCRA makes clear that unverifiable information must be deleted when challenged, yet this error continues after multiple disputes. By failing to delete this address, you are undermining the integrity of my credit profile. This address must be removed immediately to restore compliance with federal law and to ensure my credit report accurately reflects only my true personal information. Continued reporting of this wrong address will be treated as willful noncompliance. 

XXXX XXXX XXXX XXXX, CA XXXX This address is also inaccurate and does not belong to me in any way. I have never lived at, been associated with, or had any financial dealings tied to this location. The presence of this wrong address creates a false identity trail on my credit file that is harmful, misleading, and unlawful. Allowing such information to remain violates FCRA Section 602, which requires consumer reporting agencies to operate in a manner that is fair and equitable to the consumer. Additionally, Section 607 ( b ) demands maximum possible accuracy, and failing to remove this address after disputes shows a lack of reasonable procedures. This incorrect data may also signal a risk of identity confusion, making it appear that I have lived at or conducted activities tied to a location that is entirely unrelated to me. Such inaccuracies distort the picture of my credit history, potentially leading to wrongful denials or unfavorable lending terms. Section 611 of the FCRA gives me the right to have unverifiable or inaccurate information deleted, and this address can not be verified as mine. It must therefore be deleted from my credit file immediately. Any continued reporting of this wrong address will be treated as noncompliance and pursued accordingly. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$250000.00} Late Payment This account is being reported with late payments that are completely inaccurate and harmful. I have always maintained timely payments and have records that show no delinquency, yet your system continues to reflect false late marks. Such false reporting creates an impression of irresponsibility that is not true and unfairly damages my creditworthiness. Under FCRA Section 607 ( b ), you are obligated to ensure maximum possible accuracy, but your failure to correct this error despite previous disputes is evidence of negligence. Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishers from reporting information they know or should know is inaccurate, yet these false late payments remain. A late payment notation is one of the most damaging marks to a credit report, lowering scores, increasing interest rates, and creating obstacles for housing and employment opportunities. By allowing an incorrect delinquency history to remain, you are failing in your statutory duties and causing continued harm. This type of error can also lead to potential claims of defamation and liability under Section 616 and 617 of the FCRA for willful or negligent noncompliance. I am demanding that the late payment history be deleted or corrected to show accurate, on-time payments only. Continuing to allow this misinformation to remain will not be tolerated. I have the right to a fair and accurate credit report, and I insist this account be fixed immediately. If not, I will escalate this matter to the CFPB, state regulators, and legal counsel. 



Inquiries XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was placed on my file without my authorization, which is a violation of FCRA Section 604. I did not apply for credit with this company and therefore no permissible purpose exists. Allowing this inquiry to remain suggests that I was actively seeking credit when I was not. This is misleading and harmful to my credit standing. Unauthorized inquiries distort my credit profile and increase my risk factor to lenders. Under Section 611, unverifiable inquiries must be removed upon dispute. Section 607 ( b ) obligates you to ensure accuracy, and this clearly fails that standard. If you can not provide verifiable proof of my consent, you must delete this immediately. Continued reporting will be treated as a violation of law. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is inaccurate, unauthorized, and in direct violation of FCRA Section 604. I never gave consent or applied for credit with XXXX XXXX XXXX on this date. The presence of this inquiry creates a false impression that I was seeking credit. Such false representation is damaging to my profile and creditworthiness. Multiple unauthorized inquiries also lower my score unfairly. FCRA Section 611 requires unverifiable data to be deleted after a dispute, and this item can not be verified. The burden of proof is on you to show signed authorization. If such proof does not exist, it must be deleted. Failure to comply will be considered willful noncompliance subject to penalties. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry does not belong to me and was never authorized. I did not apply for credit with this entity, making the inquiry invalid under FCRA Section 604. Reporting an unauthorized inquiry is harmful because it lowers my score and creates the false image of excessive credit-seeking. Such inaccuracies violate Section 607 ( b ), which requires you to ensure maximum possible accuracy. Section 611 also mandates that unverifiable inquiries be deleted after dispute. I demand that you provide signed proof of authorization ; otherwise, it must be removed immediately. Allowing it to remain shows willful disregard of your duties. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry is false, inaccurate, and unauthorized. I never gave consent for XXXX XXXX to access my credit file. Under Section 604 of the FCRA, no permissible purpose exists for this inquiry. Its presence harms me by lowering my score and misleading potential creditors. Retaining unauthorized data violates Section 607 ( b ), which requires accuracy. Section 611 requires unverifiable items to be deleted after dispute, and this inquiry can not be verified as mine. I demand immediate removal. Continued failure to correct this error will be treated as willful noncompliance under Section 616 and 617. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and therefore violates FCRA Section 604. I never applied for credit with XXXX XXXX on this date, and no permissible purpose exists. By allowing this to remain, you are misrepresenting my credit activity to lenders. Such unauthorized reporting damages my score and creates false impressions about my credit usage. Section 607 ( b ) requires accuracy, which this clearly fails. Section 611 mandates deletion of unverifiable data, and you must remove this inquiry if you can not prove authorization. If you continue reporting, I will treat it as willful noncompliance. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is invalid and unauthorized. I never gave consent for XXXXXXXX XXXX XXXXXXXX to access my credit file. Section 604 of the FCRA requires permissible purpose, which is absent here. Allowing such inaccurate data to remain is a violation of Section 607 ( b ). Unverified inquiries mislead creditors into believing I am credit-seeking when I am not. Section 611 requires unverifiable information to be deleted, and this inquiry can not be verified as mine. I demand deletion of this inquiry immediately. Continued inaction will be treated as negligence and possible willful noncompliance. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is completely unauthorized and does not belong to me. No application for credit was made on this date. Its presence violates FCRA Section 604 because no permissible purpose exists. This is harmful, as inquiries directly affect credit scores and create false impressions. Reporting this item violates Section 607 ( b ) accuracy requirements. Section 611 mandates deletion of unverifiable data after dispute. Unless you can provide verifiable proof of my authorization, you must delete this inquiry. Failure to comply will be taken as willful violation of federal law. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry does not belong to me and was never authorized. FCRA Section 604 requires permissible purpose, which is not present here. Keeping this inquiry misrepresents my credit activity and harms my credit score. Such false reporting violates Section 607 ( b ), which requires maximum possible accuracy. Section 611 requires unverifiable information to be deleted, and this inquiry can not be verified. I demand immediate deletion. Continued failure to correct will be considered willful noncompliance under Sections 616 and 617. 

XXXX XXXX XXXX XXXX  This inquiry is unauthorized and must be deleted under FCRA Section 604. I never applied for credit with this entity. Its presence misrepresents my credit behavior and unfairly damages my profile. Section 607 ( b ) requires accurate reporting, and this clearly is not accurate. Section 611 requires deletion of unverifiable data, and you can not verify this as belonging to me. I demand removal of this inquiry. Any continued reporting will be treated as willful violation of law. 

XXXXXXXX XXXX XXXX XXXX  This inquiry is inaccurate, unauthorized, and violates my rights under the FCRA. I did not apply for credit with this creditor on this date. Section 604 requires permissible purpose, which is not present. Section 607 ( b ) requires accuracy, which this fails to meet. Section 611 mandates deletion of unverifiable data, and this inquiry can not be verified. This must be deleted immediately. Failure to comply will lead to escalation with the CFPB and legal remedies. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was never authorized and has no permissible purpose under FCRA Section 604. Its presence misrepresents my credit activity, lowers my score, and damages my financial opportunities. Section 607 ( b ) requires you to ensure accuracy, which this clearly fails. Section 611 requires deletion of unverifiable information. Since you can not prove my consent, this inquiry must be deleted immediately. Failure to act will be treated as willful noncompliance. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and was never approved by me. It violates FCRA Section 604 because no permissible purpose exists. Section 607 ( b ) requires accuracy, but this is inaccurate and misleading. Section 611 mandates that unverifiable data be removed when disputed. This inquiry harms me by lowering my score and misrepresenting my credit behavior. If you can not provide proof of my authorization, this must be deleted. Continuing to allow it to remain will be treated as a violation of federal law. 

I am requesting the CFPB to intervene and ensure that these inaccurate addresses, false account information, and unauthorized inquiries are removed from my credit report. The reporting agencies and furnishers have failed to follow the law, specifically FCRA 604, 607, 609, 611, and FDCPA 807, which clearly protect me as a consumer. These errors are not only damaging but unlawful, and I request immediate correction and deletion to restore the accuracy of my credit file.

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