Consumer complaint received 2025-10-21 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 complaint against the credit reporting agencies and the creditors listed below for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). Multiple inaccurate items, wrong addresses, and unverified inquiries are being reported on my credit file. These errors are severely harming my credit reputation, causing emotional distress, and creating financial obstacles such as loan denials and higher interest rates. Despite my attempts to resolve these issues through direct disputes, the credit bureaus and furnishers have failed to properly investigate and correct these mistakes. 
Personal Information Error Wrong Addresses XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is an invalid and unauthorized address on my report. The presence of this address is misleading and damaging to my profile and must be deleted immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX This address has no connection to me or any of my verified residential history. The reporting of this address constitutes a major inaccuracy that must be corrected without delay. 
Account Disputes Late Payment Reporting XXXX  Account No. XXXX High Balance : {$440000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment I am disputing the reported late payments on this account. I have never been delinquent or past due with XXXX  The late payment marks are false, unverified, and defamatory. The creditor failed to provide any legitimate proof or payment records substantiating these claims. Under the FCRA, all reported information must be accurate, verifiable, and complete. Since the reporting agency can not verify these alleged delinquencies through actual account records, I request that all negative marks related to this account be corrected to Paid as Agreed / Never Late. 
XXXX XXXX Account No. XXXX High Balance : {$4900.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account contains false information showing late payment history. I have never made a late payment to XXXXXXXX XXXX. This is a serious reporting error. The inaccurate data appears to stem from a clerical or data transmission issue and is not supported by any verified documentation. Please conduct a thorough reinvestigation and update the payment history to reflect an accurate and timely record. 
XXXX XXXX Account No. XXXX High Balance : {$370.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account has been incorrectly reported as having late payments. I have never been late with XXXX XXXX The reported delinquencies are factually incorrect and unverifiable. I am demanding immediate correction to reflect a perfect payment history. Under the FCRA, incomplete or unverifiable data must be deleted. 
Hard Inquiries Unauthorized and Unverified XXXX XX/XX/XXXX This inquiry appears twice on my credit report, which is false and misleading. I never gave XXXX permission to access my credit twice on the same date. I request immediate deletion of both unauthorized inquiries from my report. 
Requested Action by CFPB I am requesting that the CFPB : 1. Investigate the actions of the credit bureaus ( Experian, XXXX XXXX ) and the data furnishers involved in these inaccuracies. 
2. Ensure correction or deletion of all unverifiable or false addresses, accounts, and inquiries listed in this complaint. 
3. Enforce compliance with the Fair Credit Reporting Act, ensuring all entities maintain complete, accurate, and verified data. 
4. Hold the responsible parties accountable for negligence and inaccurate reporting practices that have caused me measurable harm. 
These repeated errors have caused unnecessary stress, credit denials, and reputational damage. I expect CFPB oversight to ensure full correction, written acknowledgment of the changes made, and assurance that such mistakes will not reoccur in the future.

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