Consumer complaint received 2025-08-12 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 to the Consumer Financial Protection Bureau ( CFPB ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and protect consumers from unfair and inaccurate credit reporting practices. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Law/Issue : FCRA 607 ( B ) Failure to maintain maximum possible accuracy in reporting ; this address is not connected to me Story : I have never lived at or been associated with this address, it is appearing on my credit report in error, and it must be removed immediately to ensure my file is accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : FCRA 607 ( B ) Inaccurate personal information being reported ; incorrect linkage to my identity Story : I have no residence history at this address and no financial or contractual connection to it ; this listing is harming the accuracy of my credit file and should be deleted ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Late Payment * * Law/Issue : FCRA 611 Duty to investigate disputed information ; account history showing late payments is unverifiable and inaccurate Story : I have requested proof of the alleged late payments, but the creditor has failed to provide verifiable documentation ; the reporting remains incomplete and inaccurate and must be corrected or deleted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Chargeoff * * Law/Issue : FCRA 611 and 623 Reporting of unverifiable charge-off status ; creditor has not validated debt upon request Story : I have disputed this account multiple times and have not been provided with original signed contract or complete payment history ; the continued reporting is a violation of federal law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Late Payment * * Law/Issue : FCRA 607 ( B ) Inaccurate reporting of payment status ; missing supporting documents Story : The alleged late payments are not backed by complete, accurate records from the furnisher, therefore must be corrected or removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment * * Law/Issue : FCRA 623 ( A ) ( 1 ) ( A ) Furnisher providing inaccurate derogatory information Story : I dispute the accuracy of the late payment entries as they are not supported by verifiable evidence from the creditor XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late Payment * * Law/Issue : FCRA 611 Lack of reinvestigation into disputed late payment entries Story : The creditor failed to provide proof of due dates, payment records, and notices for the claimed lates, making this information unverifiable INQUIRIES XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 No permissible purpose for hard inquiry Story : I did not authorize or apply for credit that would allow this company to pull my report ; this is an unauthorized inquiry XXXX XXXX  XXXX XX/XX/XXXX Law/Issue : FCRA 604 Unauthorized access to credit file Story : No consent was given to this entity for a credit check ; must be removed XXXX XXXX  XX/XX/XXXX Law/Issue : FCRA 604 Lack of permissible purpose for inquiry Story : I did not initiate any transaction or credit request with this company XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 Unauthorized hard pull Story : Inquiry appears without my consent or knowledge ; request deletion XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 No permissible purpose established Story : I did not authorize this inquiry and have no dealings with this entity XXXX XXXX XXXXXXXX XX/XX/XXXX Law/Issue : FCRA 604 Impermissible credit file access Story : This inquiry is unauthorized and unrelated to any credit application I made XXXX XXXX  XXXX XX/XX/XXXX Law/Issue : FCRA 604 Unauthorized inquiry Story : I did not apply for any services with this company XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 Impermissible use of credit file Story : I did not authorize any transaction with this creditor XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 No permissible purpose provided Story : I did not authorize this inquiry and have no credit relationship with this entity I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious 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