Consumer complaint received 2025-09-21 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 to the CFPB regarding multiple inaccuracies and unauthorized actions on my credit report that are causing severe harm to my financial standing. These issues include incorrect accounts, false bankruptcy reporting, and unauthorized credit inquiries, all in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies and creditors to maintain accurate, complete, and verifiable information. Despite repeated disputes and verification attempts, these errors continue to negatively impact my creditworthiness, access to credit, and overall financial stability. 

Addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX This address is not associated with me and has been wrongly reported on my credit file. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I have the right to dispute and require verification of any data reported in my credit file. The reporting of this address without verification constitutes a violation of federal law. It creates confusion in my credit history, risks mistaken identity, and may cause lenders to misinterpret my financial obligations. The presence of this inaccurate address could lead to denied credit applications and unnecessary collections contact. I never resided or conducted financial activity at this location. I request immediate deletion or verification of this address with valid proof linking it to me. This inaccurate reporting is causing demonstrable harm and must be corrected without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX This address is not and has never been associated with me. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), the credit bureau is required to verify the accuracy of all reported addresses. Reporting an incorrect address is a violation of my rights, creates potential for fraud, and negatively affects my credit profile. Misreporting this address exposes me to identity theft risks and possible financial liability for actions I never took. This erroneous entry can confuse lenders, misrepresent my residential history, and lead to inaccurate credit decisions. I demand deletion of this address unless verified with valid documentation linking it to me. The continued reporting of this incorrect address demonstrates a failure to maintain accurate records. Correcting this is necessary to prevent further harm and ensure my credit file reflects only truthful, verifiable information. 

Accounts XXXX XXXX XXXX  XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$410.00} Late Payment * * The reported late payment on this account is inaccurate and unverified. Under FCRA 611 ( a ) and 623 ( a ) ( 8 ), furnishers must report complete, accurate, and verifiable information. I maintain that all payments were made on time and the reported delinquency is false. The continued reporting of this error negatively impacts my creditworthiness and misleads lenders. This inaccurate entry lowers my credit score, violates my rights to accurate reporting, and misrepresents my financial responsibility. The credit bureau is required to investigate and verify all disputed information. The failure to correct this information demonstrates noncompliance with federal law. I request immediate correction or deletion of this late payment with documented proof. Reporting inaccurate late payments can affect loan approvals, interest rates, and financial reputation. I demand that this account be thoroughly reinvestigated, and any unverifiable negative reporting removed from my file. 

XXXX XXXX XXXX Account # : XXXXXXXX XXXX, Date Opened : XX/XX/XXXX, Balance Owed : {$70.00} Collection * * This collection account is inaccurate and does not belong to me. Under FCRA 611 ( a ), reporting of unverifiable debts constitutes a violation. I dispute that I have any obligation to this account, and the furnisher has failed to provide proof of my liability. Reporting unverified collections damages my credit, misrepresents my financial standing, and violates my rights under federal law. The presence of this account may lead to collection attempts, harassment, and negative credit decisions. I have requested validation, yet none has been provided. The credit bureau must delete unverifiable information to comply with FCRA requirements. Continued reporting of this inaccurate account is misleading to lenders and creates unnecessary financial stress. I demand its immediate removal and written confirmation once corrected. This account should not impact my credit until verified, and reporting without verification is unlawful. Failure to comply constitutes a breach of my rights, and I will pursue all remedies available. 

Inquirys XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was performed without my consent or knowledge. I never applied for any credit, financing, or pre-approval from XXXX XXXX XXXX XXXX on this date. Under FCRA Section 604 ( a ) ( 3 ), a credit inquiry is only permitted with a legitimate purpose, which does not exist in this case. I did not provide written or verbal authorization. Reporting this inquiry inaccurately impacts my creditworthiness and is a violation of FCRA Section 605 for failure to maintain maximum possible accuracy. This is causing stress and confusion and affects my ability to obtain credit. I request the bureau verify this inquiry with documented authorization. If verification can not be provided, I demand immediate removal. The continued reporting of this inquiry is unlawful. It must be corrected to prevent further harm to my credit profile. 

XXXX XXXX XXXXXX/XX/XXXX I never applied for financing or engaged with XXXX XXXX or XXXX. This inquiry is therefore unauthorized. FCRA Section 604 limits access to consumer reports only for permissible purposes. Section 609 allows me to request verification of any reported inquiry, and I have received no such proof. Reporting an inquiry without consent violates my rights and damages my credit reputation. It falsely suggests I requested credit I did not. I am being harmed by this inaccurate reporting. I request the credit bureau immediately reinvestigate and delete this inquiry. Documentation proving my authorization does not exist. Continued reporting of this inquiry violates federal law. Removal is required. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize XXXX XXXX or XXXX to access my credit. FCRA Section 604 ( a ) requires a permissible purpose, which is absent here. Section 609 ( b ) allows me to dispute and demand verification of all inquiries. This inquiry is inaccurate, misrepresents my credit history, and harms my credit score. The report creates a false negative impression of my financial responsibility. No documentation or consent exists. I request immediate deletion of this inquiry. Maintaining it violates my FCRA rights. The bureau must correct this inaccuracy to prevent ongoing harm. My financial reputation and ability to obtain legitimate credit are affected. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX never applied for a vehicle or financing with XXXXXXXX XXXX XXXXXXXX . The inquiry is unauthorized and violates FCRA Section 604 ( a ) ( 3 ). Under Section 607 ( b ), credit bureaus must maintain procedures to ensure maximum possible accuracy. This inquiry is inaccurate and has not been verified. Reporting it harms my creditworthiness and implies I requested credit I did not. I demand reinvestigation and deletion. Continued reporting is unlawful. Failure to correct this inquiry is a violation of FCRA Section 611. I expect proof of authorization ; absent that, deletion is required. This inaccuracy is causing financial and personal stress. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I did not authorize XXXX XXXX XXXX XXXX. to access my credit. Under FCRA Section 604 ( a ), inquiries must have a permissible purpose, which this does not. Reporting this inquiry without authorization misrepresents my credit history. It impacts my ability to obtain legitimate financing and falsely suggests I sought credit. I request verification of authorization under Section 609. No proof exists, making this inquiry invalid. Continued reporting violates my rights. I demand immediate removal. This inaccuracy causes undue stress. My credit profile must be corrected. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry was performed without my knowledge or consent. FCRA Section 611 ( a ) requires reinvestigation of disputed information. No documentation exists showing I authorized this inquiry. Its reporting is inaccurate and misleading. It negatively affects my credit score and financial reputation. Section 604 ( a ) restricts inquiries to those with permissible purpose, which is not present here. I demand the inquiry be deleted immediately. Failure to correct is a violation of my rights. I request confirmation of removal. This inaccuracy causes financial and personal harm. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I never authorized this inquiry. FCRA Section 604 ( a ) limits access to consumer reports to permissible purposes, which are absent. Section 609 allows me to request verification, which has not been provided. Reporting this inquiry inaccurately affects my credit score and falsely implies I sought credit. It is causing undue stress. I request reinvestigation and immediate deletion. Continuing to report this inquiry violates my FCRA rights. The inaccurate reporting is harmful and misleading. Proof of authorization must be provided or the inquiry removed. Immediate correction is required. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry is unauthorized and inaccurate. FCRA Section 609 provides the right to dispute and demand verification of all inquiries. No consent exists for this inquiry. Reporting it harms my creditworthiness. Section 611 ( a ) ( 1 ) mandates a reinvestigation of disputed information. I request verification, and if none exists, the inquiry must be deleted immediately. The reporting agency has failed to maintain accuracy. This inaccuracy causes financial and reputational harm. Removal is required under federal law. Failure to delete constitutes a violation of my FCRA rights. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Section 604 ( a ) of the FCRA limits inquiries to permissible purposes. Section 611 ( a ) requires reinvestigation of disputed information. No documentation exists showing consent. The inquiry is inaccurate, misleading, and negatively impacts my credit profile. It falsely implies I requested financing. I demand immediate deletion. Continuing to report this inquiry is a violation of FCRA. The inaccurate reporting has caused stress and financial harm. Verification must be provided or removal enforced. This inquiry must be corrected to reflect accurate reporting. 

I urge CFPB to take immediate action to enforce FCRA compliance, ensure accurate reporting, and protect consumers from further financial harm. The continued presence of these inaccuracies represents a clear violation of federal law and a persistent threat to my financial stability. I request prompt intervention, oversight, and correction 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