Consumer complaint received 2025-07-18 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 to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX LAW ISSUE : This address is incorrect and does not belong to me under FCRA 609 ( c ) ( 2 ) ( E ), 610, and 611. Reporting inaccurate addresses constitutes misleading information. 
STORY : I have never lived at this address, nor have I used it on any financial applications. Its presence on my credit report is erroneous and may link me to accounts or activities that are not mine. Please delete this address immediately to prevent further harm to my credit profile. 

ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX LAW ISSUE : This address is being inaccurately reported under my name, violating FCRA 607 ( b ) and 611.

STORY : I have no affiliation or association with this P.O. Box. It appears to have been added to my report in error. This could potentially connect me to unrelated and unauthorized activity. Please remove it from my report and confirm the deletion. 

ACCOUNT XXXX XXXX OF XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$410.00} Late Payment * * LAW ISSUE : Reporting of this late payment is inaccurate under FCRA 623 and 611, and I challenge the completeness and accuracy of this account. 
STORY : I do not recall owing any such amount to the County of XXXX XXXX and have received no communication or billing. The alleged balance and late payment are not only unfamiliar but are damaging my credit unjustly. Please reinvestigate and delete this account if validation can not be fully verified with original signed documentation. 

INQUIRY XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX LAW ISSUE : FCRA 604 states that consumer reporting agencies may only furnish reports for permissible purposes. I did not authorize this inquiry. 
STORY : I never applied for auto financing with XXXX XXXX on or around this date. This unauthorized inquiry is a violation of my privacy and affected my credit score. 

INQUIRY : XXXX XXXX XXXXXX/XX/XXXX LAW ISSUE : FCRA 604 ( a ) ( 3 ) requires that inquiries only be made with a legitimate business need or with written authorization. 
STORY : I did not initiate any loan or credit request with this company. Please remove this inquiry immediately as it was not authorized. 

INQUIRY : XXXX XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA 604 mandates written or permissible purpose. This inquiry does not meet legal standards. 
STORY : I do not have any dealings with XXXX XXXX and never consented to this inquiry. Please remove it from my report. 

INQUIRY : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ISSUE : This inquiry lacks consumer authorization and violates FCRA 604 ( b ) ( 2 ). 
STORY : I did not apply for credit through XXXX XXXX XXXX and have no affiliation with this dealership. Please delete this unauthorized hard pull. 

INQUIRY : XXXX XXXX XXXX CO XX/XX/XXXX LAW ISSUE : Unverified and unauthorized inquiry violating FCRA 604 and 607.

STORY : I was not shopping for auto credit on this date and did not apply through XXXX. This inquiry must be removed. 

INQUIRY : XXXX OF XXXX XX/XX/XXXX LAW ISSUE : No permissible purpose as outlined under FCRA 604 ( a ) ( 3 ). 
STORY : I did not provide any consent to XXXX of XXXX or XXXX to check my credit. This inquiry is harming my report unfairly. 

INQUIRY : XXXX XXXX XXXX CO XX/XX/XXXX LAW ISSUE : Inquiry without permissible purpose violates 604 of FCRA. 
STORY : XXXX XXXX XXXX Co conducted a credit check without my authorization or application. This should be removed. 

INQUIRY : XXXX OF XXXX XX/XX/XXXX LAW ISSUE : Violates 604 ( a ) of FCRA by accessing credit without permissible reason. 
STORY : I did not engage in any credit transaction with this dealership on this date. Please remove this unauthorized inquiry. 

INQUIRY : XXXX XXXX XXXX XX/XX/XXXX LAW ISSUE : Consumer report accessed without my authorization, in violation of FCRA 604.

STORY : This dealership was never contacted by me for any credit transaction. This inquiry is harming my credit score unfairly. 

In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

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