Consumer complaint received 2025-10-31 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:
Dear CFPB Representative, I am submitting this complaint because inaccurate, unverifiable, and unauthorized information has been reported on my credit file by multiple furnishers and credit reporting agencies. Despite my efforts to dispute and correct these inaccuracies, the errors remain and continue to harm my credit reputation. 
WRONG ADDRESSES REPORTED : XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX I have never lived at nor been associated with these addresses. Reporting these locations on my credit profile is inaccurate and misleading. I request that all of these addresses be permanently deleted from my credit file. 
INCORRECT ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Reported as late payment. This is incorrect. I have never made any late payments on this account. Please review your records and correct the payment history to reflect paid as agreed/ never late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$370.00} Issue : Incorrectly reported late payments. I consistently paid on time, and this reporting is false. Please investigate and update as current and accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$430.00} Issue : Marked late in error. I request full verification of payment history under FCRA 611 ( b ). If verification can not be provided, please remove or correct this entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Issue : Wrongly listed as late. I have proof of timely payments. Please update status to current/ never late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$370.00} Issue : False late payment notation. Please verify and correct the record immediately. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} Issue : Account shows late payment though no balance exists. This is clearly inaccurate. Please delete or fix to show no delinquencies. 
XXXX XXXX * Date Opened : XX/XX/XXXX XXXX XXXX : {$310.00} Issue : Incorrectly listed as late. I request an investigation and correction under FCRA XXXX ( a ). 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Issue : This account is wrongly marked late. I request verification of payment history and correction to show never late. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} * * Issue : This account has been reported with late payments. I have never made any late payments on this account. I request a full reinvestigation and correction to reflect an accurate on-time payment history. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} * * Issue : The reported late payments are inaccurate. I have documentation proving timely payments. Please correct the status to current/ never late or remove the negative marks if verification can not be provided. 
XXXXXXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} * * Issue : This appears to be a duplicate or erroneous reporting of the previous collection account. I never had any such debt. Please remove both entries if validation can not be provided within 30 days. 
UNAUTHORIZED OR UNVERIFIED HARD INQUIRIES : The following inquiries appear on my report, and I did not authorize or initiate these credit pulls. Under FCRA 604 ( a ) ( 2 ), a hard inquiry may only occur with my express permission or in connection with a legitimate credit transaction I initiated. Please delete all the inquiries listed below unless you can provide proof of my written consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not made by me nor authorized by any application or agreement. Please remove each unauthorized inquiry from my file immediately.

REQUESTED RESOLUTION I respectfully request that the CFPB : 1. Directs the furnishers and credit bureaus to conduct a full investigation of the disputed items.

2. Ensures that all unverified, inaccurate, or unauthorized information is permanently deleted or corrected.

3. Requires each credit bureau to provide me with an updated and corrected credit report once the investigation is complete. 
Thank you for your time and attention. I am providing copies of my identification and supporting documentation for verification. I trust the CFPB will assist in ensuring compliance with the FCRA and the protection of my consumer rights.

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