Consumer complaint received 2025-10-02 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 submitting this complaint regarding inaccurate reporting and unauthorized inquiries on my credit file. My personal information has been misrepresented, and multiple accounts are being reported with errors that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The inaccuracies on my credit report have caused me significant financial harm, stress, and damage to my creditworthiness. I request immediate reinvestigation of these items, deletion or correction of false information, and confirmation of actions taken by each creditor and credit bureau. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This address is not associated with me. Its presence on my credit file is false and misleading. Reporting this incorrect address violates FCRA 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. The inclusion of this address has caused multiple creditors to misidentify my residence. This has resulted in accounts being reported incorrectly and unauthorized inquiries being linked to my file. It has caused unnecessary delays in credit applications. It has negatively impacted my credit score and lending opportunities. I have documentation proving this address is not mine. It is essential to maintain accurate contact information under FCRA. The reporting of this address is a direct violation of my rights as a consumer. I demand deletion and correction of this inaccurate information immediately. Continued reporting of this false address causes ongoing harm. I request written confirmation of its removal. I insist the credit bureau complete a full reinvestigation and provide a response within 30 days. 

XXXX XXXX XXXX XXXX * Reported as late payment with high balance {$100000.00}, opened XX/XX/XXXX. I have evidence proving timely payments. Reporting inaccurate payment history violates FCRA 15 U.S.C. 1681s-2 ( b ). This false negative has significantly harmed my credit profile. It has caused higher interest rates and impeded my ability to obtain loans. I have submitted proof of all payments, including receipts and statements. The reporting is misleading and unfair. It affects my creditworthiness and financial opportunities. Continued reporting of this false information constitutes willful noncompliance. I demand removal or correction immediately. This accounts inaccuracy must be reinvestigated fully. The harm caused is substantial, including emotional distress and financial limitation. Correcting this entry is required by law. I expect prompt written confirmation of resolution. 

XXXX XXXX XXXX  XXXX * Reported late payment, balance {$19000.00}, opened XX/XX/XXXX. All payments were made on time. Reporting this inaccurate late payment violates FCRA 1681i and 1681s-2 ( b ). This false reporting has prevented me from securing new credit and has lowered my credit score. It has caused financial stress and delayed financial planning. Documentation exists proving all payments were timely. Continued reporting of this accounts inaccuracy is unacceptable. It misleads potential lenders and creates a false narrative of my creditworthiness. I demand immediate correction or removal. Failing to reinvestigate this properly is a violation of federal law. This account should be fully reviewed and corrected. Written confirmation of action taken is required. The accounts current reporting is causing ongoing harm and financial difficulty. 

XXXX XXXX XXXX  XX/XX/XXXX Unauthorized hard inquiry. I did not provide consent for this credit pull. FCRA 15 U.S.C. 1681b ( f ) requires a permissible purpose for all credit inquiries. Reporting this inquiry without authorization misrepresents my credit history. It negatively affects my credit score. Unauthorized inquiries expose me to potential identity theft and misuse. Prior disputes on this item have been ignored. I demand deletion. Leaving this on my file constitutes ongoing violations of federal law. Immediate correction is required. CFPB and other agencies will be notified if unresolved. This inquiry is false, misleading, and harmful. Written confirmation of removal must be provided. It has caused financial harm and misrepresentation. The inquiry should be deleted immediately. Failure to correct is unlawful. I request reinvestigation and permanent removal. 

XXXX XXXX  XXXX XX/XX/XXXX Unauthorized inquiry. No consent was given, violating FCRA 1681b ( f ). Reporting this inquiry inaccurately harms my credit profile. It is misleading to lenders and affects my ability to obtain fair credit. Prior disputes were ignored. This misrepresentation must be corrected. Written documentation exists proving lack of authorization. Leaving this inquiry on my file is unlawful. Immediate deletion is demanded. This inquiry has caused tangible financial harm. It affects my interest rates and credit opportunities. I request thorough reinvestigation and confirmation of removal. The presence of this inquiry is damaging, misleading, and violates my rights. Continued reporting without consent is unacceptable. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized hard inquiry. No permissible purpose exists. FCRA 1681b ( f ) prohibits reporting without authorization. This inquiry misrepresents my creditworthiness. It negatively affects my credit profile. Prior disputes were not acted upon. Immediate deletion is required. Leaving it unresolved is a violation of law. This false reporting causes financial harm and misrepresentation. Written proof exists showing lack of consent. It affects lending opportunities and interest rates. Removal must be completed promptly. Reinvestigation is demanded to comply with federal law. Failure to correct will lead to further complaints. The presence of this inquiry is harmful and unjust. 

I am requesting that all disputed items, including the wrong address, inaccurate late payments, and unauthorized inquiry, be fully reinvestigated and corrected immediately. These violations of the FCRA have caused tangible harm to my creditworthiness and personal financial situation. I request formal confirmation of all actions taken to correct these errors, and that the CFPB monitor compliance to ensure my rights are protected under federal law.

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