Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FORMAL CFPB COMPLAINT  INACCURATE CREDIT REPORTING RESULTED IN HOUSING LOSS\nSubmitted To: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and Credit Reporting Agencies\nURGENT ACTION REQUIRED  CREDIT REPORT ERRORS CAUSED HOUSING LOSS\nI am submitting this first-time dispute and legal complaint regarding inaccurate, harmful, and unverified information being reported on my credit file. These reporting failures directly caused me to lose my home, and I now face ongoing financial damage.\nThis letter outlines the false data, cites applicable laws, and demands immediate reinvestigation and deletion of all disputed items under the Fair Credit Reporting Act (FCRA), FDCPA, IRS guidelines, and privacy law.\nSECTION 1: INCORRECT ADDRESS DATA\nViolation of FCRA  1681e(b) &  1681c-2\nThe following addresses are inaccurate and should be permanently deleted from my credit profileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This loan is reported as delinquent without proper billing records or contract. No documentation or prior notice was issued, violating FCRA  1681i and  1681s-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Mortgage account marked as late without supporting statements or borrower agreement. No documentation was ever presented, violating FCRA  1681e(b).XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment reported but no payment history, contract, or authorization exists. This constitutes a failure to verify under FCRA  1681i(a)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Long-outstanding account inaccurately updated as late. No payment record or consumer signature available. Reporting must be corrected under FCRA  1681s-2(XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment activity not validated and no proof of delinquency provided. This reporting is unsubstantiated and violates FCRA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: This account is outdated and beyond the reporting period. Its presence likely violates FCRA  1681c, which limits reporting of adverse events to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection was never validated under FDCPA  809(a). No notice was issued, and no verification was received, violating FCRA  1681s-2(b) and FDCPA rules.\nSECTION 3: EXCESSIVE & UNAUTHORIZED INQUIRIES\nViolation of FCRA  1681b(a)(3) and  1681e(a)\nThe following inquiries were made without my permission and are excessive or duplicated, including:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many others\nIssue: These inquiries appear multiple times across short windows without any authorized application. If you cannot provide signed and dated credit applications per inquiry, they must be removed.\nLEGAL BASIS & FEDERAL VIOLATIONS\nYou are currently in violation of multiple federal consumer protection laws:\n\tFCRA  1681e(b): Failure to ensure accurate, verifiable reporting\n\tFCRA  1681i: Failure to reinvestigate disputed data\n\tFCRA  1681s-2(b): Continuing to report unverifiable accounts\n\tFDCPA  809(a): No debt validation for collection accounts\n\tIRS Publication 4681 / 1099-C: Canceled debts misreported as collectible\n\tGLBA & FTC Act Section 5: Improper data use and transmission\nFINAL DEMAND: 10-DAY RESPONSE DEADLINE\nYou have 10 calendar days from receipt of this notice to:\n1.\tDelete all inaccurate addresses\n2.\tRemove or validate each account listed above\n3.\tRemove all unauthorized and duplicated inquiries\n4.\tProvide written confirmation of actions taken\n5.\tProvide a free updated credit report\nFailure to comply will result in:\n\tEscalated CFPB complaint\n\tFTC and State AG complaints\n\tCivil action under FCRA  1681n and  1681o\nSincerely,XXXX XXXXnConsumer Financial Protection Bureau (CFPB)\nFederal Trade Commission (FTC)\nLeXXXX XXXX

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