Consumer complaint received 2025-10-03 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: AZ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and misleading accounts reporting on my credit report associated with my address at XXXX XXXX XXXX XXXX, CA XXXX. These accounts are harming my creditworthiness, creating undue stress, and appear to violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate investigation and correction of these accounts. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX This is an invalid and non-existent address that has never been associated with me. Reporting it violates FCRA 1681e ( b ) and misrepresents my residency history. No accounts or activity are linked to me here and I have never received any mail. Verification under FCRA 1681i ( a ) is impossible and maintaining this entry is materially misleading. It may impact loan approvals, creditworthiness, and personal reputation. I dispute it in full and demand immediate removal. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX I have never lived at this location and reporting it is inaccurate. It violates FCRA 1681e ( b ) because no account or activity connects me to this address. Lenders may assume false information and I have never signed agreements here. Mail has never reached me and verification under FCRA 1681i ( a ) is required. If unverifiable, this address must be deleted immediately. It harms my credit profile and misrepresents my residency history. I dispute this entry entirely and demand immediate correction. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$310.00}. I dispute this late payment because I have never been properly notified of any delinquency. No verification has been provided, which violates FCRA 1681i ( a ) and it is materially misleading under 1681e ( b ). This reporting harms my credit score and prevents me from obtaining loans. There is no signed agreement proving my liability and maintaining this entry is illegal if unverifiable. I request immediate deletion if verification can not be provided. Its presence damages me financially and reputationally and affects my ability to open credit accounts. I dispute this account entirely, demand full investigation, and require immediate correction under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/XXXX Balance Owed : {$110.00}. This chargeoff is not mine and reporting it violates FCRA 1681i ( a ). No documentation proves the debt belongs to me, which also violates 1681e ( b ). Its presence harms my creditworthiness and may mislead creditors into assuming delinquency. I dispute this account fully and request verification including signed agreements. If unverifiable, it must be deleted immediately. Maintaining this entry is materially misleading, harms my credit profile, and prevents access to financial services. I demand full reinvestigation and immediate correction in accordance with federal law. 

Inquiries : XXXX  XXXX XXXX XXXX Inquiry. This inquiry was unauthorized and violates FCRA 1681b ( f ). I never applied for credit with this company. Reporting it harms my credit score and misleads lenders. Maintaining it is illegal and materially misleading. It affects my ability to obtain future credit. I dispute this inquiry entirely and demand immediate removal. The bureau must verify authorization, and if none exists, it must be deleted. Unauthorized reporting creates a false record of my credit activity. It is misleading to lenders and other institutions. I request written confirmation of its removal. Immediate correction is required under federal law. Its continued reporting is a violation of FCRA.

XXXX Inquiry XX/XX/XXXX. I never applied for credit with XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence on my report harms my credit score. Lenders may incorrectly assume I sought credit. I dispute this inquiry fully. The bureau must verify its legitimacy. If no authorization exists, it must be deleted. Maintaining it misrepresents my credit history. It affects my ability to open new accounts. Immediate removal and written confirmation are required. Unauthorized inquiries are illegal under federal law. I request prompt correction and reinvestigation. 

XXXX XXXX Inquiry XX/XX/XXXX. This inquiry was made without my authorization and violates FCRA 1681b ( f ). I never applied for financing with XXXX  XXXX. Its presence harms my creditworthiness and may mislead lenders. I dispute it entirely. The bureau must verify authorization, and if unverifiable, delete the entry. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. This inquiry affects my ability to secure future credit. I request written confirmation of its removal. Immediate correction is required under federal law. Its continued reporting violates FCRA. 

XXXX XXXX XXXX XX/XX/XXXX. I never authorized this inquiry and reporting it violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX. Its reporting harms my credit profile. Maintaining this inquiry misleads lenders. I dispute this inquiry fully. Verification is required, and if unauthorized, it must be deleted. It creates a false record of my credit activity. It may negatively impact my financial opportunities. Immediate removal and written confirmation are required. Reporting unauthorized inquiries is illegal under federal law. Prompt correction must be completed. 

XXXX Inquiry XX/XX/XXXX. I never applied for credit with XXXX and this inquiry was unauthorized. Its reporting violates FCRA 1681b ( f ). It misleads lenders and negatively affects my credit score. I dispute this inquiry entirely. Verification is required, and if none exists, the bureau must delete it. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. This entry affects my ability to obtain new accounts. Immediate removal and written confirmation are required. Continued reporting is a violation of FCRA. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX. I never authorized this inquiry and it violates FCRA 1681b ( f ). I have not applied for credit with XXXX XXXX XXXX. Its reporting harms my creditworthiness and misleads lenders. I dispute this inquiry fully. Verification is required, and if unauthorized, it must be deleted immediately. Maintaining it is materially misleading and illegal. This inquiry misrepresents my credit activity. It affects my ability to open accounts or obtain loans. I demand immediate removal and written confirmation. Continued reporting violates federal law. 

XXXX XXXX Inquiry XX/XX/XXXX. This inquiry was unauthorized and violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX . Its presence harms my credit score and misleads lenders. I dispute it fully. The bureau must verify authorization, and if none exists, it must be deleted. Maintaining it is materially misleading and illegal. It misrepresents my credit history. Immediate removal and written confirmation are required. This inquiry negatively affects my ability to obtain future credit. Continued reporting violates federal law. 

XXXX XXXX Inquiry XX/XX/XXXX. I never applied for credit with XXXX XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my creditworthiness and misleads lenders. I dispute it entirely. Verification is required, and if unverifiable, it must be deleted. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. This entry affects my ability to secure future credit. I request immediate removal and written confirmation. Unauthorized reporting violates federal law. 

XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX. This inquiry was unauthorized and violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX XXXX XXXX. Its reporting harms my credit score and misleads lenders. I dispute it fully. Verification is required, and if no authorization exists, it must be deleted immediately. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. This entry affects my ability to open accounts and obtain credit. I request immediate removal and written confirmation. Continued reporting is illegal. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX. I never authorized this inquiry and reporting it violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX XXXX. Its reporting harms my creditworthiness and misleads lenders. I dispute this inquiry fully. Verification is required, and if none exists, it must be deleted. Maintaining it is materially misleading and illegal. It misrepresents my credit history. Immediate removal and written confirmation are required. This inquiry affects my ability to obtain future credit. Continued reporting violates federal law. 

XXXX XXXX Inquiry XX/XX/XXXX. This inquiry was unauthorized and violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX. Its presence harms my credit profile and misleads lenders. I dispute it fully. Verification is required, and if unauthorized, it must be deleted. Maintaining this entry is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. It negatively impacts my ability to obtain credit. Continued reporting violates federal law. 

XXXX XXXX XXXX  Inquiry XX/XX/XXXX. I never applied for credit with XXXX XXXX XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my creditworthiness and misleads lenders. I dispute it entirely. Verification is required, and if no authorization exists, deletion is mandatory. Maintaining this inquiry is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry affects my ability to obtain future credit. Continued reporting violates federal law. 

XXXX XXXX Inquiry XX/XX/XXXX. This inquiry was unauthorized and violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX. Its reporting harms my credit score and misleads lenders. I dispute it fully. Verification is required, and if none exists, it must be deleted immediately. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry negatively affects my ability to obtain credit. Continued reporting violates federal law. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX. I never applied for credit with XXXX XXXX XXXX and this inquiry was unauthorized. Reporting it violates FCRA 1681b ( f ). Its presence harms my creditworthiness and misleads lenders. I dispute it fully. Verification is required, and if unauthorized, it must be deleted. Maintaining it is materially misleading and illegal. It misrepresents my credit history. Immediate removal and written confirmation are required. It negatively impacts my ability to obtain credit. Continued reporting is a violation of federal law. 

XXXX XXXX XXXX XXXX XX/XX/XXXX. I never authorized this inquiry and reporting it violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX XXXX. Its presence harms my credit profile and misleads lenders. I dispute it fully. Verification is required, and if unverifiable, it must be deleted. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry affects my ability to obtain future credit. Continued reporting violates federal law. 

XXXX XXXX Inquiry XX/XX/XXXX. This inquiry was unauthorized and violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX. Its reporting harms my creditworthiness and misleads lenders. I dispute it fully. Verification is required, and if unauthorized, deletion is mandatory. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry negatively impacts my ability to obtain credit. Continued reporting violates federal law. 

XXXX XXXX Inquiry XX/XX/XXXX. I never authorized this inquiry and reporting it violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX. Its presence harms my credit profile and misleads lenders. I dispute it fully. Verification is required, and if none exists, deletion is mandatory. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry negatively affects my ability to obtain credit. Continued reporting violates federal law. 

XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX. This inquiry was unauthorized and violates FCRA 1681b ( f ). I never applied for credit with XXXX XXXX XXXX XXXX. Its presence harms my creditworthiness and misleads lenders. I dispute it fully. Verification is required, and if unauthorized, it must be deleted immediately. Maintaining it is materially misleading and illegal. It misrepresents my credit activity. Immediate removal and written confirmation are required. This entry negatively impacts my ability to obtain credit. Continued reporting violates federal law.

All accounts listed above are inaccurate, unauthorized, or improperly reported, violating multiple consumer protection laws including FCRA accuracy and dispute requirements, as well as FDCPA prohibitions on unfair or deceptive collection practices. The cumulative effect of these accounts is materially damaging my creditworthiness. I request CFPB enforcement and monitoring to ensure these items are fully reinvestigated, corrected, or deleted as appropriate and to prevent any future inaccurate reporting by these creditors. Immediate CFPB attention and action are necessary to resolve these violations and restore my consumer rights.

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