Consumer complaint received 2025-09-17 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 filing this complaint with the CFPB because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) are being violated, and I am requesting immediate intervention and investigation to correct these issues. The credit bureaus and furnishers have reported and verified inaccurate, incomplete, and unverified information despite my previous disputes, which is causing harm to my credit reputation, financial opportunities, and emotional well-being. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address is inaccurate and must be deleted. I have never lived or received mail at this location, and its presence violates FCRA 611 ( a ) as it is unverifiable personal information. Continued reporting of this wrong address misrepresents my identity and connects me to accounts and inquiries that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address is also incorrect and must be permanently removed. Reporting unverifiable addresses is a violation of my rights under FCRA 607 ( b ), which requires maximum possible accuracy. Keeping this address on file links me to accounts I never opened and damages my credit standing. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} This account is showing late payments that I have already disputed multiple times. No signed contract, payment history, or original creditor documentation proving delinquency has been provided in prior disputes. Under FCRA 611 ( a ) ( 1 ), a reinvestigation must be reasonable and must delete unverifiable data. By reporting late payments without verification, you are in violation of 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting inaccurate data. Each month this inaccurate data remains is continued harm to my creditworthiness and ability to obtain fair credit terms. This negative tradeline must be removed completely if it can not be fully substantiated with original records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} This tradeline is reporting late payments that remain unverified. I have requested validation including full account history and original agreements under my rights in FCRA 609 ( a ) ( 1 ), but nothing was provided. The bureaus duty under 611 ( a ) ( 5 ) is to delete any information that can not be verified. Continuing to report this data without furnishing documentation is a willful violation of my rights. This account is lowering my score and affecting my employment and housing opportunities. I demand this item be removed immediately or I will seek damages as allowed under FCRA 616 for willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$130.00} The late payment reporting on this account is inaccurate. No proof of delinquency has been supplied by the furnisher, and you are required by FCRA 611 ( b ) to conduct a reasonable reinvestigation. It is your duty to ensure maximum possible accuracy under 607 ( b ), not to blindly parrot what a furnisher sends. Continuing to report an unverifiable late payment is negligent and harmful. If you can not provide a full accounting, proof of billing statements, and notice of default, this account must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$42.00} I have never received proper notice of any late payment for this account, nor was I provided proof after prior disputes. FCRA 623 ( a ) ( 1 ) ( B ) forbids a furnisher from continuing to report disputed information without reasonable investigation. You have failed to meet your duty under 611 ( a ) by not providing evidence. This negative reporting is damaging my credit profile and must be removed immediately as it is unsubstantiated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$530.00} These reported late payments are inaccurate, unverifiable, and have not been proven with documentation. You are required by FCRA 609 ( a ) ( 1 ) to allow me to see the source of this information, yet nothing was provided. A mere verified response without actual proof is not compliance with the law. I demand deletion of this account from my report, as its continued reporting is negligent under 607 ( b ) and unlawful under 623 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is being reported as a charge-off, which is misleading since the balance is XXXX. No notice of default, no charge-off letter, and no supporting documents have been provided. Reporting a zero-balance account as charged off is a violation of FCRA 607 ( b ) as it is not maximum possible accuracy. You are required under 611 ( a ) ( 5 ) to delete this item if it can not be verified with original creditor records. This false reporting is a direct injury to my credit file and must be corrected immediately. 

INQUIRIES XXXX  XXXX XX/XX/XXXX This inquiry is unauthorized. I never applied for credit or gave written consent to this company. Under FCRA 604 ( a ) ( 3 ), a report may only be pulled with permissible purpose. No permissible purpose exists for this inquiry. Its presence has lowered my credit score, increased my risk profile, and caused me to be denied better lending terms. Keeping this inquiry is negligent and unlawful. Delete this inquiry immediately as required by FCRA 611 when data can not be verified. 

XXXX XXXX XX/XX/XXXX I have never had any relationship or application with XXXX XXXX that would justify a hard inquiry. Under FCRA 604, there must be a legitimate business need or credit application to allow this access. No such documentation has been provided. This inquiry damages my credit by reducing my score and can affect my ability to obtain loans. Its continued presence is a violation of my privacy rights under federal law and must be removed immediately. 

XXXX XXXX XX/XX/XXXX This hard inquiry was done without my knowledge or consent. Under FCRA 604 ( a ) ( 2 ), there must be a permissible purpose, which has not been shown. I have disputed this previously and no proof of authorization has been provided. Each day this remains on file it harms my credit standing, violates 607 ( b ) accuracy standards, and creates emotional and financial stress. This must be deleted right away. 

XXXX XX/XX/XXXX This is an unauthorized inquiry that I never initiated. Under FCRA 611 ( a ), you are obligated to conduct a reasonable reinvestigation, yet no evidence has been given to justify this credit pull. This inquiry lowers my score and misrepresents my credit-seeking behavior to lenders. If you can not provide signed authorization, it must be permanently removed as required by law. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX This inquiry is not mine. I have not applied for credit with XXXX XXXX XXXX  during this period. Keeping it on my file violates FCRA 604 and 611. Each reporting period this remains continues to harm my credit rating, increases my utilization profile artificially, and affects my ability to qualify for credit cards, auto loans, and mortgages. It must be removed immediately. 

Because these items remain despite prior disputes, I am requesting that the CFPB investigate these violations, compel the credit bureaus and data furnishers to fully comply with FCRA, and ensure immediate correction of my reports by deleting the wrong address, removing the inaccurate late payment, and deleting the unauthorized inquiry. Failure to do so will result in continued harm to me financially and emotionally. I trust that CFPB will enforce the law and protect my consumer rights by holding the credit bureaus and furnishers accountable for their negligence and violations.

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