Consumer complaint received 2025-07-24 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:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies for reporting inaccurate and unverifiable information on my consumer credit file which is causing significant harm to my financial well-being and reputation the items listed below include incorrect addresses late payment history and an unauthorized inquiry all of which I am disputing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) and I request immediate reinvestigation and correction of these issues. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law Issue : Under the Fair Credit Reporting Act ( FCRA ) Section 602 ( a ), the credit reporting agencies must ensure maximum possible accuracy in the consumers file Story : This address is inaccurately reported on my credit file and I have never lived or received mail at this location I have no affiliation with this residence and its presence on my credit report is a direct violation of the FCRAs accuracy mandate Instruction : Please conduct a reinvestigation and immediately remove this incorrect address from my credit report under FCRA Section 611 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law Issue : Per FCRA Section 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information Story : This is a commercial mailing address not a residential dwelling and I have never used this PMB box for any personal or credit-related purposes Its reporting creates confusion and misrepresents my identity Instruction : I demand a full reinvestigation and permanent deletion of this incorrect address from my file under FCRA Section 611 XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or incomplete information Additionally the late payment being reported on a closed and {$0.00} balance account is a violation Story : This account reflects a {$0.00} balance and should not continue to report a late payment post-closure This misreporting is harming my creditworthiness and violates the FCRA accuracy requirement Instruction : Please investigate this tradeline and either provide full validation of the reported late payment with exact dates and evidence or remove the derogatory mark completely under FCRA Section 611 XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : Under FCRA Section 604 ( a ), a hard inquiry requires consumer authorization and a permissible purpose Story : I did not authorize or apply for any credit with this entity on this date and this inquiry was made without my knowledge or consent Instruction : Remove this unauthorized inquiry from my credit report immediately and provide proof of permissible purpose if you believe otherwise XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : Per FCRA Section 604 ( c ) ( 1 ), consumer consent is required prior to a hard pull for credit Story : This inquiry appears without my approval or any corresponding application for credit I never sought financing or credit services from this company during this period Instruction : Delete this unauthorized inquiry and provide documentation of authorization if it is to remain XXXX  XXXX XXXX XX/XX/XXXX Inquiry Law Issue XXXX Under FCRA Section 604 ( a ) ( 3 ) ( A ), any hard inquiry requires specific consumer initiation and permissible purpose Story : I did not apply for credit or give permission for XXXX XXXX XXXX to run my credit report on this date This unauthorized inquiry is a breach of federal credit laws Instruction : I request immediate deletion of this inquiry and written proof of my consent if it is not removed Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the 30-day timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and other legal channels including civil liability under 15 USC 1681n and 1681o.

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