Consumer complaint received 2025-09-04 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: TN

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me and has never been a part of my personal history. Reporting an address that is not mine suggests possible mixed files or identity confusion, which is misleading to future creditors. Under FCRA Section 609 ( a ) ( 1 ), I have the right to an accurate consumer file, which includes correct identification information. Continuing to report addresses that never belonged to me creates risks of mistaken association with accounts that are not mine. The presence of this wrong address reflects a failure of the bureau to maintain procedures ensuring accuracy as required under Section 607 ( b ). This false information must be removed immediately to protect the integrity of my file. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$45.00} Date Opened : XX/XX/XXXX XXXX XXXX This account shows a late payment that is not accurate, and no creditor has provided verified evidence that any payment was delinquent. I have maintained consistent history, yet this false mark misrepresents my financial behavior. Under FCRA Section 611, the reporting agency must reinvestigate disputed information and delete it if unverifiable. Keeping this error in my file causes lenders to wrongfully perceive me as irresponsible, which is both damaging and unlawful. The bureau has a duty under Section 602 to assure accuracy, fairness, and relevancy in credit reporting. No creditor has provided signed contracts, payment records, or official documentation to support the claim of lateness. Instead, this appears to be a manufactured derogatory status, which violates consumer protections. Failure to delete unverifiable late payments exposes the bureau to liability under Section 616 for willful noncompliance. I demand this account be corrected or removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account is listed as a charge off, yet I have never been provided with any validation or documentation showing that this debt was properly charged off or legally collectible. Under FCRA Section 609, I have the right to request complete file disclosure, which includes the source of the information. To this date, no evidence has been provided to show that XXXX XXXX owns or legally transferred this debt. Without validation, continuing to report this account is a direct violation of FCRA Section 611, which requires deletion of unverifiable information. Reporting a charge off without proof misleads creditors into believing I defaulted on obligations I did not owe. Furthermore, if a debt is sold or transferred, the original creditor and subsequent collectors must provide proper notice. No such notice has been provided. This makes the reporting inaccurate and unlawful. By continuing to report unverifiable negative information, the bureau is failing its obligations under Section 607 ( b ) for maximum accuracy and exposes itself to liability. I demand full validation or permanent deletion. 

XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account reflects a late payment entry that is inaccurate. I have consistently maintained good standing, and yet this report reflects an unverified delinquency. No signed records, billing statements, or payment histories have been provided to support the reporting. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information must ensure accuracy when providing data to credit bureaus. The absence of verified evidence indicates noncompliance. The late payment creates harm by reducing my credit score and leading to higher interest rates and denials. This type of harm is precisely what the FCRA was designed to prevent, as outlined under Section 602, which emphasizes fair and equitable credit reporting. A consumer can not be punished for inaccurate information that the furnisher can not substantiate. The bureau is responsible under Section 611 to delete unverifiable information, and the failure to act constitutes a violation. This account must be corrected or deleted immediately. 

XXXXXXXX XXXX XXXX XXXX  High Balance : {$23000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account inaccurately reflects late payments, but I have never been provided with any documentation showing proof of these alleged delinquencies. Under FCRA Section 609 ( a ) ( 1 ), I have the right to know the sources of the information in my file, and under Section 611, unverifiable information must be deleted. The failure to provide proof means the bureau can not legally continue reporting this item. The late payment entry lowers my creditworthiness unfairly, leading to loss of financial opportunities and credibility. The absence of validation indicates either the account is misreported or associated with identity errors. This undermines the bureaus obligation under Section 607 ( b ) to assure maximum possible accuracy. The furnisher also violates Section 623 ( a ) ( 2 ), which requires correction of information once it has been disputed. Since neither the bureau nor the creditor has met these legal obligations, the account must be permanently removed to restore accuracy to my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This collection account is unverifiable and has no supporting documentation of assignment or ownership. I have never received a letter of validation or proof that XXXX XXXX XXXX legally owns or has the right to report this alleged debt. Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), a collection must be validated before reporting. No chain of title, signed agreement, or original account records have been provided to show this debt belongs to me. Reporting this item without validation is both inaccurate and unlawful. Section 623 of the FCRA requires furnishers to report only accurate information, and Section 611 requires deletion if the information can not be confirmed. Continuing to report this account damages my financial profile and reputation. This account must be deleted immediately, as the bureau has failed to maintain compliance with federal law. 

Inquiries XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me and has no permissible purpose under FCRA Section 604. I never applied for credit with this entity. Each unauthorized inquiry lowers my credit score and gives the false impression that I am actively seeking loans. Under Section 607 ( b ), the credit bureau must prevent inaccurate or misleading entries, yet this inquiry remains after disputes. Allowing it to stay creates reputational harm by making me appear financially desperate or high-risk. This is unfair, misleading, and unlawful. No signed authorization or record of consent has been produced to justify this inquiry. Without validation, the FCRA requires deletion. I demand immediate removal of this unauthorized inquiry. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry is listed without my knowledge or consent. I did not apply for credit with XXXX XXXX on this date. Under FCRA Section 604, a creditor must have a permissible purpose to access my file, yet none exists here. Unverified inquiries damage my score and suggest I am seeking credit that I never requested. The bureau has failed to maintain procedures to assure maximum possible accuracy by retaining this error. Continuing to allow this inquiry misleads future lenders and violates my consumer rights. No creditor has provided evidence of an application or signed authorization. Without proper validation, this inquiry can not remain in my file. I request immediate deletion. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized and reflects activity I did not initiate. Under FCRA Section 604, no entity may access my credit without a permissible purpose. XXXX XXXX has not provided any documentation showing that I requested credit or financing. The presence of this inquiry falsely signals that I am applying for loans when I am not. This creates unfair harm, lowering my score and damaging my creditworthiness. Section 611 requires the bureau to delete unverifiable information, yet this inquiry remains uncorrected. Failure to remove unauthorized pulls represents noncompliance with the law. This inquiry is inaccurate, unverified, and must be deleted from my file immediately. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry, nor have I ever applied for credit with this institution. Reporting such an inquiry without proof is a direct violation of FCRA Section 604, which requires permissible purpose. The bureaus responsibility under Section 607 ( b ) is to assure maximum possible accuracy, yet false inquiries undermine this standard. This entry suggests I am attempting to secure loans when no such application exists, which misleads creditors and harms my financial standing. No evidence, consent, or signed application has been produced to justify this entry. Under Section 611, unverifiable inquiries must be removed. I demand deletion of this unauthorized pull from my record. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is fraudulent and was not initiated by me. Under FCRA Section 604, permissible purpose is required before a creditor may access my file, and no such purpose exists here. This entry creates harm by lowering my score and suggesting financial activity that I never engaged in. The bureau has failed to ensure accuracy under Section 607 ( b ) by retaining unverifiable information. Lenders reviewing my file may wrongly conclude I am aggressively seeking auto loans, which is not true. The furnisher has not provided any signed authorization or record to support this inquiry. Because it is unverified and harmful, the law requires its deletion under Section 611. This entry must be permanently removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and is inaccurately reported. I did not submit an application to XXXX XXXX XXXX XXXX on this date. Under FCRA Section 604, they must have a permissible purpose, yet none exists. This inquiry unfairly lowers my score and misrepresents my credit-seeking behavior. The bureau has a duty under Section 607 ( b ) to ensure accuracy, but by reporting unverifiable inquiries, it fails that duty. No signed authorization or application has been provided. Keeping false inquiries creates unnecessary credit denials and reputational damage. Under Section 611, unverifiable information must be deleted. I demand permanent removal of this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is false and unauthorized. I never applied for credit with XXXX on this date. Under FCRA Section 604, inquiries must have a permissible purpose, but no evidence exists here. By retaining this inquiry, the bureau violates Section 607 ( b ), as it fails to ensure maximum possible accuracy. This entry paints an inaccurate picture of my financial behavior, lowering my score and misleading lenders. No signed application or consent form has been provided. Reporting unverifiable inquiries violates Section 611, requiring deletion of this false entry. This inquiry must be immediately removed from my credit file. 

XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry was not initiated by me and is therefore invalid. FCRA Section 604 requires permissible purpose, but none has been demonstrated. The bureaus duty under Section 607 ( b ) is to prevent false reporting, yet this inquiry remains. The presence of this entry suggests auto loan applications that I never submitted, damaging my creditworthiness. It reduces my score unfairly and gives lenders the wrong impression. No creditor has provided proof of my authorization for this pull. Unverified information must be deleted under Section 611. This inquiry should be permanently removed from my record. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized, unverified, and harmful. I never applied for credit with XXXX XXXX. Under FCRA Section 604, they need a permissible purpose, but none has been shown. The bureau has failed in its duty under Section 607 ( b ) to assure accuracy by allowing this to remain. This entry lowers my score, misrepresents my activity, and misleads potential creditors. No signed documentation or record of application has been produced. Reporting unverifiable inquiries violates Section 611. Because no evidence exists to justify this entry, it must be deleted immediately. 

XXXXXXXX XXXX  XX/XX/XXXX This inquiry is inaccurate and unauthorized. I did not seek credit from XXXX XXXX  on this date. FCRA Section 604 requires permissible purpose, which does not exist here. This entry causes harm by lowering my score and suggesting false financial activity. Section 607 ( b ) obligates the bureau to prevent inaccurate reporting, yet it has failed. No proof of authorization has been provided. Continuing to report unverifiable inquiries violates Section 611. Since this entry can not be validated, it must be deleted permanently to restore accuracy to my file. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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