Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unauthorized information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to have my credit file maintained with maximum possible accuracy and to dispute any information that is incomplete, misleading, or unauthorized. The following items on my report have caused significant harm to my credit profile, financial opportunities, and personal reputation. I request immediate investigation and correction of these inaccuracies. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address is not associated with me, and reporting it is a violation of FCRA XXXX ( b ). It is misleading and causes harm to my credit profile. I request immediate removal. 

XXXX XXXX XXXX XXXX, TX XXXX This address is not my residence, and its continued inclusion is inaccurate reporting under FCRA 1681e ( b ). 

Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  Reported as a late payment, but I never missed any scheduled payments for this account. Continuing to list it as late is a violation of FCRA 1681i. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$990.00} XXXX XXXX Late payment is inaccurately reported ; I dispute this as the account was current at the timXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$130.00} XXXX XXXX This account shows a late payment incorrectly. I am requesting verification per FCRA 1681i and removal if unverifiable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$42.00} XXXX XXXX Late payment reporting is inaccurate ; evidence of timely payment exists. Continuing this reporting violates FCRA 1681i, 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} XXXX XXXX Late payment inaccurately reported ; I dispute the accuracy and request removal per FCRA 1681i. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Charge-off is reported incorrectly ; account was settled in full. Reporting an inaccurate charge-off violates FCRA 1681e ( b ). 

Inquiries : XXXX XXXX XX/XX/XXXX This hard inquiry was performed without my authorization. I did not apply for credit or give consent. Unauthorized inquiries are prohibited under FCRA 1681b ( f ), and their presence negatively impacts my credit score and reporting accuracy. I request immediate removal and verification of authorization documents. 

XXXX XXXX XX/XX/XXXX This inquiry was made without my knowledge or consent. Reporting unauthorized inquiries violates FCRA 1681b ( f ) and 1681i ( a ). I never initiated or authorized this request, and it is damaging my credit report. Please provide documentation proving my consent; if none exists, remove immediately. 

XXXX XXXX XX/XX/XXXX No application or authorization was given by me. Reporting this inquiry as authorized is inaccurate and misleading. Under FCRA 1681b ( f ), hard inquiries must have explicit consent. Remove this inquiry unless verifiable proof is provided. 

XXXX XX/XX/XXXX I never requested credit from this entity. Reporting this inquiry is a direct violation of FCRA 1681b ( f ). It negatively affects my credit profile, and I demand removal unless proper verification is provided. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Continuing to report it is a violation of FCRA 1681b ( f ) and harms my credit score. Verification must be provided, or the inquiry must be removed immediately. 

I request that the CFPB ensure that all disputed accounts and inquiries are thoroughly reinvestigated and that any inaccurate or unauthorized information be immediately corrected or deleted. I further request written confirmation of all actions taken to resolve this complaint. Failure to correct these issues violates my rights under the FCRA and continues to cause measurable harm to my financial standing, creditworthiness, and personal well-being. I demand prompt resolution to restore the accuracy and integrity of my credit report.

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