Consumer complaint received 2025-10-09 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: TN

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized activities on my credit report. These errors are negatively affecting my credit score, financial security, and personal reputation. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand a full reinvestigation and correction of all inaccurate information. Each disputed item is detailed below with account numbers, dates, balances, and relevant laws cited. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address is not linked to me. Its inclusion on my credit report misleads lenders and creditors, creating false associations with accounts that do not belong to me. Reporting this incorrect address violates FCRA 1681i, which requires reinvestigation of disputed information. The incorrect address has caused mismatched accounts, misattributed inquiries, and undue harm to my credit reputation. I have never resided or had financial obligations at this location. Its continued presence on my file has led to delays in account verification, rejection of legitimate credit applications, and potential legal implications. This inaccurate reporting impacts my ability to maintain stable financial relationships with banks and lenders. Under FCRA 1681e ( b ), the credit bureau must use reasonable procedures to ensure maximum accuracy of my file. I insist on immediate verification, correction, or deletion of this address and written confirmation of all actions taken. Failure to do so continues to violate federal law and causes ongoing damage. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6900.00}, Late Payment * * This late payment is inaccurately reported. I never received proper notice or verification. FCRA 1681i ( a ) ( 1 ) ( A ) mandates reinvestigation of disputed items. FDCPA 1692e prohibits misrepresentation of debt status. I request verification of this account with supporting documentation. Without verification, continued reporting is false, misleading, and illegal. The repeated inaccurate reporting has caused significant harm to my credit score, loan eligibility, insurance rates, and employment prospects. I have contacted the original creditor multiple times and have no record of missed payments as reported. The account is being misrepresented in terms of payment history, balance, and status. Reporting this information without proper verification violates my rights under FCRA 1681e ( b ). The inaccurate reporting affects all aspects of my financial life, including access to loans and interest rates. I insist on deletion unless legally verified. Continued reporting of inaccurate accounts is a violation of federal law and materially harms my financial stability. Any failure to correct this record may result in further legal action. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$4000.00}, Late Payment * * This account is inaccurately reported. FCRA 1681i requires reinvestigation of disputed items. The reported late payment does not match my records. Continued reporting without proper verification violates federal law and materially harms my credit. I request full verification with supporting documentation from the original creditor or deletion of the account. I have not received any formal notification of delinquency, and my payment records contradict the bureaus reporting. The inaccurate status has negatively impacted my credit score, loan applications, and financial stability. FCRA 1681e ( b ) obligates the bureau to ensure maximum accuracy, which is not being followed in this case. I have previously submitted proof disputing the payment history. Reporting this unverified account continues to mislead lenders and harms my creditworthiness. I demand written confirmation of deletion or verified correction. Ongoing misreporting is unlawful and negatively impacts my financial standing. Any failure to comply will result in legal action. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry violating FCRA 604 ( a ) ( XXXX ). I did not consent to this inquiry. Its reporting misleads lenders about my credit behavior. The presence of this inquiry has negatively impacted loan applications. No permissible purpose has been provided or verified. Continued reporting violates federal law. I demand immediate removal and deletion from all credit records. Written confirmation of its removal must be provided. 

Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my authorization, violating FCRA 604 ( a ). Its reporting is materially misleading and harms my credit reputation. No verification of permissible purpose has been provided. The inquiry negatively affects my creditworthiness and loan approval chances. Continued reporting is unlawful. I demand deletion from all credit files. Written confirmation of its removal is required. Immediate action is necessary to prevent further harm. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. I did not consent to this request, violating FCRA 604 ( a ). Its presence misrepresents my credit activity and harms my financial reputation. No documentation of permissible purpose has been provided. The inquiry has impacted my credit score and potential lending opportunities. Continued reporting is illegal. I demand removal from all records. Written confirmation of deletion must be provided immediately. 

Inquiry XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. FCRA 604 ( a ) ( 3 ) requires a permissible purpose, which has not been demonstrated. Its reporting misrepresents my creditworthiness and harms my financial standing. The inquiry negatively affects loan and credit applications. Continued reporting is unlawful. I demand deletion from all credit records. Written confirmation of removal is required. Immediate action must be taken. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry violating FCRA 604 ( a ). I did not consent to this inquiry. Its reporting misrepresents my credit activity. No permissible purpose has been verified. The inquiry negatively impacts my credit score and financial opportunities. Continued reporting is a violation of federal law. I demand immediate deletion. Written confirmation of removal must be provided. 

Inquiry XXXX XXXX XX/XX/XXXX Duplicate unauthorized inquiry. I did not authorize this request, violating FCRA 604 ( a ) ( 3 ). Its presence misrepresents my creditworthiness. No permissible purpose has been verified. The inquiry negatively affects credit applications and scores. Continued reporting is unlawful. Immediate removal is demanded. Written confirmation of deletion must be provided. 

I respectfully request that the CFPB ensure that all disputed addresses, accounts, and inquiries listed above are thoroughly reinvestigated and corrected. I require verification that each item was properly investigated and that any inaccurate or unauthorized information is removed promptly. The inaccuracies on my credit report have caused measurable harm to my financial standing, creditworthiness, and personal reputation, and I demand a timely resolution and formal notification of the results of the reinvestigation.

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