Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB.

ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX This address has never been linked to me personally or financially. Its presence on my credit file is false and misleading, and it suggests ties to locations and individuals unrelated to me. According to the FCRA, consumer reporting agencies must maintain accurate and complete identifying information, and reporting an incorrect address is a failure of this obligation. This incorrect information could negatively affect my ability to secure credit or loans. I demand this address be fully removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never had any connection to this address, and it is being incorrectly attributed to me. Reporting this false address creates a misleading record of my residency and violates federal law requiring accurate personal information. The FCRA mandates that credit bureaus ensure maximum possible accuracy, and any unverifiable addresses must be removed. Keeping this inaccurate address could expose me to identity confusion or potential fraud. I request immediate correction and deletion of this entry. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX  This account is being reported with late payments, which is entirely inaccurate given that the balance owed is {$0.00}. Reporting late payments on a XXXX balance misrepresents my payment history and violates Section 623 of the FCRA, which requires furnishers to provide accurate information. These false late payments suggest financial irresponsibility that does not exist and mislead lenders about my credit behavior. The reporting is causing harm to my creditworthiness, potentially affecting my ability to obtain new credit. I request immediate reinvestigation and removal of these erroneous late payments. Furthermore, no documentation has been provided to support these alleged late payments, making the reporting unverifiable and unlawful under the FCRA. Continued reporting of these inaccuracies is harmful and unacceptable. 

INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute this inquiry because I did not authorize it. The FCRA requires that all hard inquiries be supported by verifiable consumer consent. Reporting an unauthorized inquiry is a violation of federal law and creates a false impression of my credit activity. This inquiry could negatively affect my creditworthiness and mislead potential creditors. I request immediate deletion and confirmation in writing that it has been removed. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry, and its inclusion is a violation of the FCRA. Hard inquiries require explicit consumer permission, and reporting one without it is illegal. This inquiry inaccurately portrays my financial behavior, suggesting credit applications I never made. I demand removal of this entry unless proper documentation of authorization can be provided, and I expect confirmation of its deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX  This inquiry is unauthorized and does not reflect any action initiated by me. Under FCRA law, only inquiries with consumer consent may be reported. Including this inquiry creates a misleading impression that I am actively seeking credit. This misrepresentation can affect lenders perception of my creditworthiness and should be corrected immediately. I request deletion and written verification once removed. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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