Consumer complaint received 2025-07-29 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 Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Address Law Issue : FCRA 607 ( b ) requires consumer reporting agencies to maintain maximum possible accuracy Story : I have never resided at this address and its presence is erroneous Request : Please remove this inaccurate address from my report XXXX XXXX XXXX XXXX XXXX, XXXX Address Law Issue : FCRA 611 requires consumer agencies to reinvestigate disputed information Story : This address has no connection to me or my accounts Request : Remove this unverifiable address from all sections of my credit report XXXX XXXX XXXX XXXX XXXX Late Payment * * Law Issue : FCRA 607 ( b ) and 611 require accuracy and prompt reinvestigation Story : I was enrolled in forbearance during this period, so any reported delinquency is inaccurate Request : Remove the late payment and update the account history accurately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law Issue : FCRA 607 ( b ) and 602A for fair and equitable treatment Story : This loan was paid and closed without delinquency ; the late payment is incorrect Request : Remove the late payment history for accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff * * Law Issue : FCRA 607 ( b ), incomplete reporting with no open date is unverifiable Story : This item lacks necessary account details and is unverifiable Request : Delete this self-reported tradeline from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff * * Law Issue : FCRA 611 ( a ) ( 1 ) ( A ), unverifiable account with no open date Story : I am unaware of this account and it lacks complete reporting Request : Please delete this charge-off from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff * * Law Issue : FCRA 607 ( b ), inaccurate due to incomplete identification and reporting Story : This debt is unknown and unverifiable without a valid origin or opening date Request : Remove this charge-off entry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff * * Law Issue : FCRA 607 ( b ), unverifiable data is prohibited Story : This item is self-reported and lacks documentation and origin Request : Delete this entry due to unverifiable status LEGENDS AT XXXX XXXX XXXX * * Law Issue : FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ) require validation upon request Story : I never received notice of this collection, and no documentation supports it Request : Please delete this collection for lack of verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff * * Law Issue : FCRA 607 ( b ), incomplete reporting with no balance, origin, or open date Story : This account lacks sufficient information and is unverifiable Request : Remove this account from my credit file XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ), unauthorized inquiry Story : I did not initiate any credit application with XXXX Request : Please delete this inquiry from my record XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ), no permissible purpose established Story : This inquiry occurred without my consent Request : Remove this hard inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ), inquiry without legitimate credit transaction Story : I never sought credit from this lender Request : Delete this inquiry from my report XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA 604, unauthorized access Story : I did not give permission for this inquiry Request : Remove this from my file XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ), inquiry without permissible purpose Story : No account or transaction was initiated with this company Request : Delete this inquiry immediately XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604, impermissible access Story : I did not apply for any loan that would trigger this inquiry Request : Remove the inquiry as unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA 604, inquiry without consumer authorization Story : No credit was requested from this dealership Request : Delete this inquiry XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604, must be initiated by consumer Story : XXXX never gave permission for this hard pull Request : Remove this unauthorized inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ), requires consumer authorization Story : This was never approved or initiated by me Request : Delete the inquiry from my file XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604, unauthorized inquiry Story : No application was made for credit Request : Remove this inquiry These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

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