Consumer complaint received 2025-08-13 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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly. 

ACCOUNTS XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment * * Law & Issue : FCRA 607 ( B ), 611 Information must be accurate and verifiable ; late payment entries must have supporting evidence from the original creditor.

Story : This account is reporting late payments that are inaccurate and unverifiable. I have no record of these alleged late payments, and the creditor has failed to provide proper documentation proving the delinquency. This damages my creditworthiness and must be corrected or removed immediately. 

XXXX BANK XXXX XXXX * High Balance : {$7800.00} Date Opened : XX/XX/XXXX Chargeoff * * Law & Issue : FCRA 607 ( B ), 611, FDCPA 807 Reporting must be accurate and not misleading ; charge-offs must be supported with complete payment history and contractual proof.

Story : This charge-off is inaccurate and unverifiable. The reporting creditor has failed to validate the alleged debt, the balance, and the dates. Without complete validation, the continued reporting violates the FCRA and FDCPA, and it must be deleted. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment * * Law & Issue : FCRA 607 ( B ), 611 Any late payment report must be accurate and backed by original source records.

Story : Reporting a {$0.00} balance account with late payments is misleading and inaccurate. No late payment history can exist if the balance is zero and no debt obligation remains. This record must be corrected or deleted. 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose. 
Story : I did not authorize this inquiry. It is harmful to my creditworthiness and must be deleted. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose. 
Story : I never gave permission for this inquiry ; it is unauthorized. 

XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : This inquiry was not authorized by me and must be removed. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Duplicate Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : This duplicate inquiry was not authorized and further damages my score. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : I did not authorize this inquiry ; remove it immediately. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : No authorization was provided for this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : I never approved this credit pull. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose.

Story : I did not request this inquiry. 

XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose. 
Story : I did not consent to this inquiry. 

XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose. 
Story : I did not authorize this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Law & Issue : FCRA 604 No permissible purpose. 
Story : I never applied for credit with this institution. 

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under the FCRA.

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