Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
XXXX'I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act (FCRA) Sections 602, 607, 609, 611, 623, 1681i, 1681e(b), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items.\n\nADDRESSXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address has no connection to me whatsoever and keeping it in my file creates a false identity link. I have never lived here, signed a lease, or received mail at this location. Reporting an address that does not belong to me violates FCRA 607(b) which requires maximum possible accuracy. By leaving this incorrect address, your bureau is associating me with accounts that are not mine, which can lead to fraud risk. I request this address be immediately removed from my report.\n\nACCOUNTSXXXX XXXX XXXX XXXX BalanceXXXX XXXXXXXX  Date Opened: XXXX  I am disputing the accuracy of the late payments reported on this account. I previously challenged this and it still appears, which means either the furnisher did not provide sufficient proof or your bureau did not conduct a proper reinvestigation as required by FCRA 611(a)(1). Reporting false late payments damages my payment history, lowers my credit score, and impacts my ability to obtain fair credit terms. If XXXX cannot provide complete records showing exact dates and amounts of alleged missed payments, this information must be deleted. FCRA 607(b) requires maximum possible accuracy, not partial or estimated reporting. Please update this tradeline to reflect correct payment history or remove it entirelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX  I am again disputing the late payment history being reported for this account. I have requested validation and proper documentation, yet none has been provided. FCRA 611 requires a reasonable reinvestigation, which means contacting the furnisher and obtaining verified documentation of every reported delinquency. Continuing to report unverified late payments violates federal law and causes me significant harm, including higher interest rates and loan denials. I am demanding that this account either be updated with full accuracy, including correct dates and amounts, or removed if verification cannot be produced.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   This account is showing as a charge-off, but I dispute the validity of this status. A charge-off is a serious derogatory mark that should only be reported if fully supported by documentation. I have not received any proper notice of default nor documentation validating this charge-off as required under FCRA and the Equal Credit Opportunity Act. If Capital One cannot provide proof including statements, payment records, and a notice of charge-off, then this item is inaccurate and misleading and must be deleted. Reporting unverifiable charge-offs is a direct violation of FCRA 607(b) and must be corrected immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing the payment history that is being reported here. At a XXXX balance, there should be no negative marks, yet late payments or delinquencies are still listed. This is misleading, unfairly damaging my payment history, and fails to meet the standard of maximum possible accuracy. Your bureau must contact the furnisher and confirm whether these late payments are correct. If they cannot verify them with full documentation, the negative information must be deleted. Continued reporting of unverifiable derogatory data is a violation of FCRA 611XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as a charge-off despite having a XXXX balance. This is not only inaccurate but also misleading to future creditors who may assume there is an unpaid debt. If there is no balance owed, there can be no valid charge-off. The FCRA requires complete and accurate reporting, which means either this account must be updated to show a positive status or deleted entirely if the furnisher cannot verify the accuracy of this derogatory mark. Please conduct a full reinvestigation and provide me with the results.\n\nINQUIRIESXXXX XXXXThis inquiry remains on my file without proof of my authorization. Under FCRA  604, a permissible purpose must be provided before any inquiry can be recorded. No written authorization, signed application, or consent was ever given by me for this pull. Continuing to report this inquiry without verification violates FCRA  611(a) which requires the bureau to delete unverifiable information. I request that this inquiry be permanently removed from my reportXXXX XXXXThis is a second unauthorized inquiry from the same furnisher within weeks, which is highly suspicious and harmful to my credit profile. According to FCRA  604(a)(3), only an application initiated by the consumer can justify such a pull. I never applied for any product that would require this inquiry. This repeated reporting is negligent and must be deleted immediately.XXXX XXXX XXXXThis inquiry was never initiated by me, and no proof has been provided despite my prior dispute. FCRA  607(b) places the burden on the bureau to ensure maximum possible accuracy of reported information. Failure to delete this unverifiable inquiry after notice is willful non-compliance with the law and opens liability under FCRA  616. Please remove this item right away.XXXX XXXX XXXXThere is no record of me applying for credit with XXXX XXXX  on or around this date. FCRA  604(b) requires express written permission for a hard inquiry, and none exists. This inquiry is damaging my score and presenting a false view of my credit-seeking behavior. Immediate deletion is required under FCRA  611XXXX XXXX XXXX XXXXI dispute this inquiry as fraudulent. I have no relationship with XXXX XXXX XXXX and have not authorized any credit pull. Under FCRA  611(a)(5)(A), unverifiable information must be deleted within 30 days of dispute. I request written verification or permanent removal from my report.XXXX XXXX XXXX XXXXThis inquiry is being reported without a valid permissible purpose. I never applied for credit with this company, and no documentation has been provided to prove otherwise. As required by FCRA  604(a)(2), consent must be established before a hard inquiry is allowed. I demand deletion of this inquiry.XXXX XXXX XXXX XXXX XXXX XXXX has reported an inquiry for which I gave no authorization. Continued reporting of this item without proof is reckless disregard for my consumer rights and violates FCRA  611(b). Please reinvestigate properly and remove this inquiryXXXX XXXXThis is yet another unauthorized inquiry from the same furnisher as above. Multiple entries create an inaccurate portrayal of my credit behavior. Since no permissible purpose has been proven, this item must be deleted under FCRA  611(a)XXXX XXXX XXXX XXXX XXXXThis inquiry is not authorized by me. I did not initiate any application that would justify a hard pull. Under FCRA  604(a)(3)(A), an inquiry requires a transaction initiated by the consumer, which did not occur. Remove this immediately to prevent further harm to my credit file.\n\nI respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.'

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