Consumer complaint received 2025-08-16 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: NV

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Address XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Law/Issue : Under FCRA 1681c, credit reporting agencies are required to maintain accurate and complete information. Reporting of this address is inaccurate because it does not belong to me and I have no connection or residency history there.

Story : This address is completely wrong and falsely associated with me. I have never lived at or used this location, and keeping it on my credit file creates confusion and risks inaccurate account linkages. I demand this address be deleted immediately as required by law. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : Under FCRA 1681s-2 and 1681i, furnishers and credit reporting agencies must ensure that all reported account information is accurate, verifiable, and not misleading. Reporting late payments on an account with a {$0.00} balance is inconsistent, inaccurate, and misleading.

Story : This account has been inaccurately reported with late payments despite having a {$0.00} balance and being closed. This reporting damages my creditworthiness and misrepresents my payment history. I request a full reinvestigation and correction or permanent deletion if this account can not be fully verified with supporting documentation. 

Inquiries XXXX XXXX XXXX  XX/XX/XXXX Law/Issue : Under FCRA 1681b, consumer reports may only be accessed with a permissible purpose. This inquiry is unauthorized.

Story : I did not grant authorization for XXXX XXXX  XXXX to pull my credit on this date. I demand verification of permissible purpose or removal. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 1681b requires permissible purpose for inquiries. This inquiry does not meet that standard. 
Story : I did not apply for credit with XXXX of XXXX XXXX, and this pull was unauthorized. Please delete if proof of authorization can not be provided. 

XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 1681b mandates permissible purpose. This inquiry is not supported by consumer consent. 
Story : I did not seek financing from XXXX on this date. This is unauthorized and must be removed if unverifiable. 
XXXX XXXX XXXX XX/XX/XXXX Law/Issue : Duplicate inquiries by the same company raise compliance issues under FCRA 1681b . 
Story : XXXX pulled my report again without my authorization. I did not apply twice, making this inaccurate and harmful to my score. 

XXXX XXXX XXXX XXXX  : FCRA XXXX681b requires valid consent for inquiries. 
Story : I did not authorize XXXX XXXX to access my credit file on this date. Delete unless verifiable consent exists. 

XXXX XXXX XX/XX/XXXX Law/Issue : Duplicate pulls from the same creditor are excessive and violate the requirement of permissible purpose. 
Story : XXXX XXXX had no reason to pull my credit twice. This was not authorized by me and must be deleted. 

XXXX XXXX XXXXXX/XX/XXXX Law/Issue : FCRA 1681b prohibits inquiries without a clear consumer-initiated request. 
Story : I did not initiate any transaction with XXXX. This inquiry is unverified and harmful, requiring deletion. 

XXXX XXXX XX/XX/XXXX XXXX : Inquiries must be consumer-authorized under FCRA 1681b.

Story : I never applied for auto financing with XXXX XXXX. This inquiry is unauthorized and must be removed. 

XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 1681b allows inquiries only when there is consumer consent or legitimate application. 
Story : I did not authorize XXXX XXXX XXXX  to pull my credit. This must be verified or deleted. 

XXXX XXXX XXXX  XX/XX/XXXX Law/Issue : FCRA 1681b compliance is required for permissible purpose.

Story : I did not authorize this inquiry. This reporting is inaccurate and must be deleted. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : Multiple inquiries from the same company suggest noncompliance with FCRA 1681b . 
Story : I did not authorize XXXX XXXX XXXX to pull my credit, especially not multiple times. Remove if unverifiable. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : Inquiries must be consumer-authorized under FCRA. 
Story : This additional XXXX XXXX pull is duplicate and unauthorized. Please delete. 

XXXX XXXX XXXXXX/XX/XXXX XXXX : FCRA 1681b requires consumer consent for inquiries. 
Story : I did not authorize XXXX XXXX to pull my credit file. Remove unless fully verified with documentation. 

XXXX XXXX XXXX XX/XX/XXXX Law/Issue : Under FCRA 1681b, inquiries without a consumer application are unlawful. 
Story : I did not apply for credit with XXXX or XXXX XXXX XXXX. This inquiry is unauthorized and must be removed. 

XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA requires permissible purpose for inquiries. 
Story : I did not apply with XXXX XXXX on this date. This inquiry must be deleted if unverifiable. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Law/Issue : Unauthorized inquiries violate FCRA 1681b. 
Story : I did not authorize XXXX XXXX XXXXXXXX XXXX to pull my credit report. Please delete. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : FCRA 1681b prohibits inquiries without consumer consent. 
Story : I had no dealings with XXXX XXXX XXXX XXXX. This inquiry is unauthorized and must be deleted. 

XXXX XXXX XX/XX/XXXX Law/Issue : Inquiries require consumer consent under FCRA. 
Story : I did not authorize XXXX XXXX to access my credit. This is inaccurate and harmful. 

XXXX XXXX XXXX XX/XX/XXXX Law/Issue : Unauthorized inquiries violate FCRA XXXX. 
Story : I did not authorize XXXX XXXX XXXX XXXX or XXXX to pull my credit. Please delete. 

XXXX XXXX XXXXXXXX XX/XX/XXXX Law/Issue : FCRA mandates permissible purpose for inquiries. 
Story : I did not apply for a XXXX XXXX on this date. This inquiry is unauthorized. 

XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : Duplicate inquiries raise compliance issues under FCRA 1681b . 
Story : XXXX XXXX  has multiple pulls listed without authorization. These duplicate entries must be removed. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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