Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to formally report multiple inaccuracies on my credit report that have caused significant harm to my financial standing, creditworthiness, and personal reputation. These inaccuracies include a wrong address and falsely reported late payments. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, verification of disputed information, and correction of any errors. Despite previous attempts to resolve these matters, the inaccuracies remain uncorrected, violating my rights under federal law. I am requesting CFPB intervention to ensure these issues are fully investigated and corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not associated with me and its continued reporting is a violation of FCRA section 607 ( b ). The credit bureau is publishing incorrect data without evidence, which is negligent and harmful. The Fair Credit Reporting Act clearly prohibits the reporting of data that can not be verified, and since no proof of residency has been shown, this must be deleted immediately. No contract, lease, or documentation exists linking me to this residence. The reporting of this address violates FCRA section 611 because once disputed, unverifiable information must be removed. Failure to comply shows disregard for consumer rights. Lenders viewing this information may falsely assume I resided here, which causes harm to my credibility. The continued presence of this false address is damaging and illegal under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I dispute this address as it does not belong to me. Continuing to report this after dispute is a violation of FCRA section 611 which mandates deletion of unverifiable data. Allowing this incorrect address to remain in my file is misleading and harmful to my personal and financial reputation. The law requires accuracy and fairness, yet this address violates both principles. There is no legal documentation, no lease, and no proof of occupancy that connects me to this address. FCRA section 623 prohibits furnishers from providing data that they know or should know is inaccurate. By continuing to allow this information, the reporting agency is knowingly publishing falsehoods. This creates confusion in my consumer report and damages my ability to maintain fair credit. The deletion of this address is required under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late Payment This account is reporting late payments inaccurately and must be corrected or deleted immediately. The furnisher has a legal duty under FCRA section 623 ( a ) ( 1 ) ( A ) to report only accurate information, and failure to provide documentation of these alleged late payments constitutes a violation. The bureau has not conducted a proper reinvestigation despite my dispute, which violates FCRA section 611 ( a ). These reported delinquencies misrepresent my payment history and harm my financial credibility. No account statements, notices, or validated records have been provided to prove these late payments. The continued reporting of unverifiable information is a violation of my rights under FCRA section 607 ( b ), which mandates maximum possible accuracy. Misreporting this account also affects my credit score and access to credit, which is a tangible harm recognized under federal law. Failing to remove or correct this information demonstrates reckless disregard for my consumer rights. I demand that all alleged late payments be removed immediately unless verified with proper documentation. The retention of inaccurate information is unlawful, misleading, and damaging. The reporting agency is obligated to delete or correct all unverifiable data under section 611. Continuing to report this information without proof constitutes willful noncompliance. This accounts reporting is inconsistent, unverifiable, and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Late Payment This account is reporting late payments that are not accurate or verifiable. Under FCRA section 611 ( a ), a reinvestigation must be conducted and unverifiable data deleted, yet the bureau has failed to do so. The furnisher has not provided documentation substantiating the reported late payments. Reporting unverified delinquencies violates FCRA section 623 ( a ) and harms my credit reputation. The continued reporting of these alleged late payments misleads lenders and financial institutions. Failure to remove or correct this information is a direct violation of federal law and constitutes a disregard for consumer rights. No statements, notices, or validated evidence exist proving these late payments. The inaccurate reporting of this account affects my financial stability and opportunities. Maintaining unverifiable negative information violates FCRA section 607 ( b ), which requires reasonable procedures to assure accuracy. I demand the immediate deletion of all late payments unless verified with complete documentation. The ongoing reporting of unverifiable information is unlawful and damaging. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Late Payment This account is inaccurately reporting late payments and must be corrected or deleted. Under FCRA section 611, all unverifiable information must be removed after dispute. The furnisher has not provided documentation to substantiate the reported late payments. Continued reporting of inaccurate information harms my financial reputation and creditworthiness. This misrepresentation violates FCRA section 623 ( a ) and demonstrates a failure to maintain maximum possible accuracy as required under section 607 ( b ). The inaccurate reporting misleads lenders and affects my access to credit. No evidence exists to prove these late payments are correct. Maintaining unverifiable data is unlawful and constitutes willful disregard for my consumer rights. I demand immediate deletion unless properly verified. Retention of this information is damaging, unfair, and misleading. The credit bureau is legally obligated to ensure accuracy, and failure to delete unverifiable late payments violates federal law. All entries on this account that can not be verified must be removed immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was made without my authorization or consent and therefore is inaccurate and misleading. Under FCRA section 604 ( a ), a consumer report may only be accessed for permissible purposes, and this inquiry does not meet any legal criteria. Including it on my credit report violates FCRA section 607 ( b ), which requires maximum possible accuracy. I never applied for credit or authorized XXXX XXXX XXXX to access my report on this date. The continued reporting of this unauthorized inquiry misrepresents my credit activity, harms my credit profile, and misleads lenders. Retaining it after dispute demonstrates a failure to comply with FCRA section 611, which mandates reinvestigation of disputed items. This inquiry must be deleted immediately to comply with federal law. Maintaining unauthorized inquiries is a violation of my consumer rights, is misleading, and creates a false impression of my credit behavior. 

XXXX XXXX XXXX XXXX Inquiry This inquiry is also unauthorized and should be deleted. FCRA section 604 ( a ) limits access to consumer reports to permissible purposes only, and this inquiry does not meet those standards. I did not request or consent to this credit check, making its inclusion inaccurate. Section 607 ( b ) requires that consumer reporting agencies maintain maximum possible accuracy, which is violated by the reporting of this inquiry. Retaining this inquiry misleads lenders and negatively affects my credit reputation. The bureau is required under FCRA section 611 to reinvestigate disputed items and delete unverifiable or unauthorized inquiries. No documentation has been provided to justify this inquiry, making it unlawful to remain on my report. Reporting unauthorized inquiries harms my ability to access credit fairly. Immediate deletion is required under federal law to ensure accuracy, fairness, and compliance. 

XXXXXXXX XXXX XXXX Inquiry This inquiry was made without my authorization and is a violation of FCRA section 604 ( a ). I did not apply for credit, sign any authorization, or consent to this check. Including it on my consumer report violates my rights under sections 607 ( b ) and 611, which require accurate reporting and proper reinvestigation of disputed items. The continued presence of this inquiry misrepresents my credit behavior and misleads potential lenders. No supporting documentation has been provided, and keeping it violates FCRA mandates. The reporting agency has a duty to delete any unauthorized or unverifiable inquiries immediately. Retaining it demonstrates reckless disregard for federal law and consumer rights. The reporting of this inquiry is inaccurate, unfair, and misleading. 

XXXX XXXX XXXX XXXX XXXX Inquiry This inquiry was conducted without my authorization and is therefore inaccurate. FCRA section 604 ( a ) requires that consumer reports be accessed only for permissible purposes, which this inquiry fails to meet. The reporting agency has an obligation under sections 607 ( b ) and 611 to ensure maximum possible accuracy and conduct a reinvestigation upon dispute. No documentation or evidence has been provided to justify this inquiry. Its continued reporting misleads lenders, harms my credit profile, and constitutes a violation of my consumer rights. I demand immediate deletion of this inquiry to comply with federal law. Maintaining unauthorized inquiries is unfair, misleading, and a clear violation of FCRA. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and was made without my consent. Under FCRA section 604 ( a ), a consumer report may only be accessed for legally permissible purposes. Including this inquiry without authorization violates section 607 ( b ), which requires maximum possible accuracy. I did not request or authorize XXXXXXXX XXXX to access my credit report on this date. Retaining this inquiry misrepresents my credit activity, misleads lenders, and negatively impacts my credit profile. Under section 611, the reporting agency is required to reinvestigate disputed items and remove unverifiable inquiries. No documentation has been provided to justify this inquiry. It must be deleted immediately to comply with federal law and protect my consumer rights. Continuing to report it constitutes willful noncompliance with the FCRA.

I respectfully request the CFPB take action to ensure compliance with the Fair Credit Reporting Act, specifically Sections 609, 611, and 623. The wrong address and the falsely reported late payments collectively constitute violations that harm my credit integrity and financial reputation. I ask the CFPB to compel both the credit reporting agencies and the furnishers to correct these inaccuracies and provide written confirmation once the corrections are made, ensuring full adherence to federal law and restoring the accuracy of my credit report.

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