Consumer complaint received 2025-10-06 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: OH

Complaint narrative:
CFPB, I am filing this complaint because my credit report contains inaccurate information that is harming my credit score and my ability to obtain credit. My address and multiple accounts are reported incorrectly, which violates FCRA 607 ( b ), 609, and 611. 

Address : XXXX XXXX XXXX XXXX XXXX  OH XXXX This address has never been associated with me and is entirely inaccurate. Reporting false addresses violates FCRA 609 ( a ) ( 1 ) as it misrepresents my residence history. Such inaccuracies confuse potential lenders and expose me to identity errors. Proper reporting requires verification, which has not been provided. The inclusion of this incorrect address has already caused confusion in prior disputes. Maintaining it harms my creditworthiness. Federal law mandates that only accurate information may be reported. I request deletion of this address immediately. Documentation proves I have never resided at this location. Continuing to report it violates FCRA 607 ( b ). Any attempt to maintain this false address on my file without verification is illegal. Written confirmation of removal is required. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This address is falsely associated with my credit file. Reporting inaccurate addresses violates FCRA 607 ( b ) and 611 as it demonstrates a failure to maintain maximum possible accuracy. This false information can mislead creditors during lending decisions. Prior disputes did not result in verification or correction. Maintaining this address constitutes ongoing harm to my credit profile. I have never resided at this property, and documentation confirms my true addresses. Deleting this address is required to comply with federal law. Failure to do so exposes the bureau to liability under FCRA 623 ( a ) ( 1 ). The continued misreporting affects my ability to secure loans, credit cards, and financial products. Immediate deletion is demanded. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} This late payment is falsely reported. According to FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate items and require a reasonable reinvestigation. Verification has never been provided, and prior disputes have been ignored. I have consistently paid on time, and reporting this late payment is materially harmful. This false report misleads lenders and harms my creditworthiness. Federal law requires that unverifiable information be deleted. Maintaining this item without proper documentation violates FCRA 607 ( b ). I request immediate deletion of this item. Written confirmation is required. Any attempt to verify without documentation is invalid. Continuing to report this false late payment is unlawful. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} This late payment is inaccurate and can not be verified. Under FCRA 609, I am entitled to verification of disputed items. Previous disputes were not properly investigated, leaving this false information on my report. This misreporting misleads lenders and negatively impacts my credit profile. Reporting unverifiable information violates FCRA 611. I have never been late on this account, and documentation supports this. Maintaining it harms my creditworthiness. Federal law requires deletion unless accurate proof is provided. Written confirmation of removal is demanded. Continued reporting of this false late payment is illegal. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} Duplicate reporting of this account and false late payments violate FCRA 623 ( a ) ( 1 ). No documentation supports this claim. Prior reinvestigation attempts have been ignored, leaving inaccurate and duplicative items on my report. This repeated error misleads lenders and harms my creditworthiness. Federal law mandates accurate reporting. I have never been late, and documentation confirms this. Maintaining duplicate false reports constitutes a material violation. I request immediate deletion. Written confirmation of deletion is required. Continued reporting is unlawful. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance : {$0.00} This account is incorrectly reported as a charge-off. Verification has not been provided despite multiple disputes. According to FCRA 611, the bureau must conduct a reasonable investigation. False charge-off reporting is materially harmful to my creditworthiness. Documentation shows this account is not in default. Maintaining this false information misleads lenders and violates federal law. Deletion or correction is required. Written confirmation must be provided. Failure to verify or correct is illegal. Continuing to report this false charge-off harms my ability to obtain credit. 

Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance : {$0.00} Falsely reported late payments violate FCRA 607 ( b ) and 611 ( a ) ( 1 ). No verification exists, and prior reinvestigation attempts have been ignored. Reporting false delinquencies misleads lenders and harms my credit profile. I have never been late on this account, and documentation proves this. Maintaining this item is a violation of federal law. Immediate deletion is required. Written confirmation is requested. Continued reporting without verification is unlawful. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance : {$28000.00} This late payment is inaccurate. Under FCRA 611, I have the right to dispute and demand a reasonable reinvestigation. Documentation proves all payments have been timely. Reporting false delinquencies harms my creditworthiness and misleads lenders. Maintaining this inaccurate account violates federal law. Deletion is required unless proper verification is provided. Written confirmation must be sent. Continued reporting is illegal and materially harms my financial standing. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without authorization. FCRA XXXX requires explicit consent for credit pulls. No consent was provided, and reporting it harms my credit profile. Immediate removal is required. Written confirmation of deletion is demanded. Maintaining unauthorized inquiries is a violation of federal law. Continued reporting is illegal. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX This hard inquiry is unauthorized. Per FCRA 604 ( a ) ( 3 ), only authorized inquiries are legal. No consent was given, making this inquiry unlawful. Maintaining it harms my creditworthiness and misleads lenders. Immediate deletion is required. Written confirmation must be provided. Reporting unauthorized inquiries is a material violation. Continued reporting is illegal. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX This inquiry was performed without my authorization. FCRA 604 requires my consent for all credit checks. No authorization exists, making this reporting illegal. Maintaining this inquiry harms my credit profile. Immediate deletion is demanded. Written confirmation is required. Reporting this inquiry without consent is unlawful and materially affects my creditworthiness. Continued reporting is a violation of federal law. 

I demand prompt and permanent correction or deletion of all inaccurate information. Each account and inquiry must be verified with documentation, and if no valid proof exists, these items must be removed immediately. CFPB, I am submitting this complaint to ensure my credit report is accurate, lawful, and fully compliant with federal regulations.

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