Consumer complaint received 2025-07-12 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 formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies. 
XXXX XXXX XXXX XXXX, CA XXXX Law Issue : FCRA 609 ( a ) ( 1 ) and 611 ( a ) Accuracy and verification required Story : I have no connection with the address XXXX XXXX XXXX XXXX, CA XXXX. I have never resided or received any service or correspondence at this address. Its presence is misleading and harmful to my credit profile and must be deleted. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX Law Issue : FCRA 611 & 607 ( b ) Duty to maintain maximum possible accuracy Story : This address does not belong to me. I do not have any personal, financial, or legal ties to XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX. This entry may be associated with someone else and must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$19.00} * * Law Issue : FCRA 609 ( a ) and 623 ( b ) Incomplete and unverifiable information must not be reported Story : I have no knowledge of this telecom account. I did not authorize this account nor have I received any billing or services from this company. No valid contract or service record should exist under my name. Please delete this unverifiable charge-off. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8300.00} * Law Issue : FCRA 611 and 623 ( a ) ( 5 ) Must be accurate, complete, and verifiable Story : This charge-off is inaccurate and misleading. I did not authorize the reported debt nor was I provided any documentation. No signed contract or billing history has been shared with me. I dispute this item and demand its deletion unless proper validation is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$43.00} * * Law Issue : FCRA 609 ( a ) ( 1 ) and 623 ( b ) Unverified or incorrect accounts must be deleted Story : I do not recognize this utility account, and no proof of obligation or service agreement has been given to me. This small balance is not only unfamiliar but also detrimental to my credit standing. Remove this item immediately if verification can not be produced. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law Issue : FCRA Section 605B & 611 ( a ) Late payments must be accurate and verifiable Story : I dispute the late payment reported under this account. I have never received a notification of delinquency and was unaware of any overdue balance. If no written validation of this late payment exists, it must be removed to comply with FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$730.00} * * Law Issue : FCRA 609 ( a ) ( 1 ) and 623 ( a ) ( 3 ) Information must be complete and not misleading Story : This charge-off is unfamiliar and was never opened or authorized by me. I request the original application, contract, and billing history. If such documentation can not be provided, this item must be deleted from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} * * Law Issue : FCRA 611 and FDCPA Section 809 Debt must be validated upon request Story : This collection is inaccurate and not mine. I demand verification through a full itemization, signed agreement, and proof of ownership of the debt. If you can not provide it within the required timeframe, this entry must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} * * Law Issue : FCRA 609 and 623 Reporting of paid or non-existent accounts must be accurate Story : I have never had an insurance debt with this identifier. No services, billing statements, or policy documents were ever presented to me. I dispute the accuracy of this entry and request immediate deletion. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA 604 Inquiries without permissible purpose are not allowed Story : This inquiry was made without my request for credit or services. I did not authorize any application or transaction with XXXXXXXX XXXX XXXX on this date. Please delete this immediately. 
XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 & 607 Must have consumer authorization Story : I did not initiate any credit request with XXXX and dispute this inquiry as unauthorized. Kindly remove this from my credit profile. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) Requires written or electronic authorization Story : This inquiry was not initiated or approved by me. I had no dealings or applications with XXXX XXXX XXXX. This is an unauthorized pull and must be deleted. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA XXXX Unauthorized inquiries harm creditworthiness Story : I did not provide XXXX XXXX XXXX with authorization to access my credit. This entry is a violation of my rights and should be removed immediately. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 & 611 Inquiries must be verified Story : I did not give XXXXXXXX XXXX XXXX permission to access my credit file. I demand written proof of authorization or removal of this hard inquiry. 
XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA Section 604 Hard inquiry requires express consent Story : I have no account or application relationship with XXXX XXXX on this date. This inquiry was done without my consent. Please delete it from my credit file. 
XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 Inquiry must be based on a legitimate business need Story : I did not engage XXXX XXXX for any credit product. This inquiry is unauthorized and must be removed from my credit report. 
These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made.

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