Consumer complaint received 2025-08-09 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 regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and XXXX XXXX  and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 602A Inaccurate personal identifying information reported without permissible purpose and proper verification Story : I have never resided at this address and it does not belong to me ; it appears due to a mixed file or reporting error and must be deleted to ensure my report contains only accurate identifying information XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Law/Issue : FCRA 602A Reporting of false address without my authorization, leading to a misleading credit profile Story : This is not my current or past residence ; this address was never associated with me and keeping it on file is harmful to my credit history accuracy and must be removed immediately ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Charge Off * * Law/Issue : FCRA 611 & 623 Failure to properly verify debt ownership, amount, and date of last payment ; potential re-aging of debt without proof Story : This account was previously disputed but the bureau failed to provide documented verification from the original creditor ; reporting continues despite no valid contract or proof of liability in my name DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * Law/Issue : FCRA 611 & 623 Inaccurate reporting of payment history without verifiable proof of delinquency dates Story : Payment history reported is inconsistent with my records ; no supporting documentation has been provided to confirm the reported late payments DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Late Payment * * Law/Issue : FCRA 611 Account history contains unverifiable late payment entries Story : The creditor failed to provide original payment records or billing statements confirming the alleged delinquencies during my previous dispute DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Late Payment * * Law/Issue : FCRA 623 Furnisher is reporting inaccurate payment data without reasonable investigation Story : Payment pattern on file does not match my personal records ; I have requested proof but none was provided DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * Law/Issue : FCRA 611 No verification documentation provided; unverifiable negative mark remains on file Story : Alleged late payments can not be substantiated ; this is damaging my creditworthiness DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late Payment * * Law/Issue : FCRA 623 Reporting unverifiable late payments beyond statutory limits for accuracy Story : This old account may be reporting beyond the allowable credit reporting period ; I request deletion if proof of accurate reporting can not be provided DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late Payment * * Law/Issue : FCRA 611 Outdated and unverifiable derogatory information Story : No contract or verified payment history has been supplied by the furnisher to confirm this reporting XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection * * Law/Issue : FCRA 623 Collection account reported without proper validation notice or verification of debt Story : This collection entry is inaccurate and was placed without a proper debt validation process ; no proof has been given that I am legally obligated to pay this debt XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$190.00} Collection * * Law/Issue : FCRA 611 & FDCPA 809 Failure to validate debt and inaccurate reporting by the furnisher Story : I never received a legally required validation notice and no proof of contract or account ownership has been provided INQUIRIES XXXX XXXX XXXX XXXX  Law/Issue : FCRA 604 Inquiry made without permissible purpose or my written authorization Story : I did not authorize this credit pull ; it is an unauthorized inquiry and should be removed XXXXXXXX XXXX XXXX XXXX  Law/Issue : FCRA 604 Inquiry without a credit transaction initiated by me Story : No credit application or written consent was given ; inquiry is unauthorized XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 Permissible purpose violation Story : Inquiry conducted without my consent and with no business relationship established XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 No valid reason for credit access Story : Inquiry is not connected to any credit request from me XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 Hard pull conducted without my initiation or consent Story : No record exists of me applying for credit with this entity XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : FCRA 604 Accessed my report without permissible purpose Story : Inquiry is unauthorized and must be deleted XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 Inquiry made without permissible purpose Story : I did not apply for credit or authorize this pull XXXX XXXX  Law/Issue : FCRA 604 Unauthorized inquiry Story : This inquiry does not relate to any account I opened or requested The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

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