Consumer complaint received 2025-08-30 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 filing this formal complaint to report serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. My credit reports contain wrong addresses that do not belong to me, late payment reporting on accounts that is false and unverifiable, and unauthorized credit inquiries that were conducted without my knowledge or consent. These actions violate federal law and are causing me financial, reputational, and emotional harm WRONG ADDRESSES ( IDENTITY MIXING & FRAUD RISK ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address is not mine and never has been. Attaching it to my credit report creates a false identity trail. FCRA 1681c-2 requires blocking any information that results from identity theft, and this address falls under that category. Having this wrong address connected to my file means lenders question whether I am being truthful, landlords doubt my history, and employers see a confusing record that makes me look unreliable. This is damaging not just to my credit but to my entire reputation and stability XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Wrong Address This false address shows how reckless the CRAs have been with my data. Under FCRA 1681e ( b ), they must assure accuracy, but they have failed. Every time a creditor runs my report, I am judged based on information that has no connection to me. This causes humiliation, financial loss, and creates suspicion of fraud. This is not just inconvenientit is life-altering harm that prevents me from getting approved for credit, cars, or even decent housing ACCOUNTS WITH FALSE LATE PAYMENTS XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2800.00} Late Payments I dispute all late payments reported on this account. They are false, inaccurate, and unverifiable. Under FCRA 1681i ( a ) ( 1 ) ( A ), the furnisher must provide documentation such as the original signed contract and a complete itemized payment history. None of that has been provided. Reporting false lates is a violation of FDCPA 807 ( 8 ) as it communicates false credit information. This negative item is destroying my score, making me appear financially irresponsible, and costing me thousands of dollars in higher interest rates and lost approvals. The stress of being judged on false information is emotionally devastating. FCRA 1681n and 1681o make them liable for damages and I am seeking full relief XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$340.00} Late Payments This account is being reported with late payments that are entirely disputed. The furnisher has failed to validate the debt as required by FDCPA 809 ( b ). Without validation, this account can not legally be reported as negative. By continuing to report unverifiable lates, the CRAs and furnishers are in violation of FCRA 1681e ( b ) and 1681i. These false lates are crushing my score, preventing me from getting even basic credit lines, and making me appear unreliable to anyone who pulls my report. This is defamation of my financial character and has already caused me embarrassment, financial rejection, and constant hardship UNAUTHORIZED INQUIRIES ( ILLEGAL USE OF MY CREDIT FILE ) XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry This inquiry was not authorized by me. Under FCRA 1681b, only permissible purposes are allowed, such as written consent. No such consent exists here. This unlawful pull lowered my score and invaded my privacy. It caused me stress and harm and must be deleted immediately XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Another unlawful pull from the same company. This repeated violation demonstrates reckless disregard of my rights. Each pull without consent violates FCRA XXXX and makes me a victim of negligent noncompliance. It continues to lower my score unfairly and cause personal distress XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry This inquiry is another violation of FCRA and my privacy. Under FCRA 616 and 617, I am entitled to damages for negligent and willful violations. The presence of this inquiry is lowering my score and exposing me to suspicion by lenders. I never authorized this and demand its removal XXXX XX/XX/XXXX Unauthorized Inquiry This inquiry was not authorized by me and violates FCRA 604. It is lowering my credit score, harming my financial opportunities, and adding unnecessary stress to my life. This inquiry must be deleted immediately as it has no legal permissible purpose HARDSHIP / STORY The combination of false addresses, inaccurate late payments, and unauthorized inquiries has caused me significant hardship. I have been denied housing, rejected for credit, and forced to pay higher interest rates. Lenders and landlords have questioned me about addresses I never lived at, making me feel humiliated and treated like a fraud. These false negative marks have made it impossible for me to rebuild my credit and move forward. The CRAs and furnishers have ignored my disputes and continue to verify information without providing lawful documentation. This is evidence of negligent and willful noncompliance under FCRA 1681n and 1681o, entitling me to relief and damages DEMAND FOR RELIEF 1. Immediate and permanent deletion of all wrong addresses listed above 2. Permanent removal of all inaccurate late payment history from XXXX XXXX and XXXX unless verifiable proof is provided 3. Deletion of all unauthorized inquiries listed above 4. A full investigation into the CRAs and furnishers for negligent and willful violations of FCRA and FDCPA 5. Compensation for damages caused by these violations, including financial losses, reputational harm, and emotional distress

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