Consumer complaint received 2025-07-12 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 formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Issue : This address appears as a variation of a previous false entry and must be deleted under FCRA 1681i ( a ).

Story : I do not recognize this address variation and have never authorized its reporting.

Instruction : Delete this variation of the incorrect address from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Issue : Mixed file violations fall under FCRA 1681e ( b ) for failure to maintain accurate consumer data.

Story : I have no connection to this apartment unit or address and it is incorrectly linked to my profile.

Instruction : Remove this address from my file entirely. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Law Issue : Unverified and unrelated addresses must be deleted under FCRA 1681i and 1681e ( b ).

Story : I have never lived here or used this address for any financial purpose.

Instruction : Remove this from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Status : Chargeoff * * Law Issue : Charge-offs must be accurately reported with proper validation per FCRA 623 and FDCPA 809 ( b ).

Story : This charge-off is being reported without proper validation or verification. I was never properly notified.

Instruction : Remove this charge-off from my credit report or provide full validation documents. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Status : Late Payment * * Law Issue : Under FCRA 1681i ( a ), consumers may dispute incomplete or inaccurate payment information.

Story : These late payments were caused by administrative errors during an auto-payment setup. I contacted the lender but the bureau has failed to correct it.

Instruction : Update this account to reflect accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment * * Law Issue : Late payments must be accurate, timely, and verified per FCRA 623 ( a ) ( 1 ) ( A ).

Story : I paid this account off in full and on time. The late payment report is an error.

Instruction : Remove the late payment entry from this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * Law Issue : Reporting a charge-off on a closed, {$0.00} balance account without explanation violates FCRA 1681s-2.

Story : This account was paid in full and the charge-off is false. No documentation has been provided to support it.

Instruction : Delete this charge-off status from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Status : Chargeoff * * Law Issue : Debt buyers must validate debts before reporting under FDCPA 809 ( b ) and FCRA 1681b.

Story : I never received notice or validation of this debt. LVNV has failed to provide original documentation.

Instruction : Delete this charge-off due to lack of validation and notice. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : Duplicate inquiry entries from the same source violate FCRA 604 and 607.

Story : I see multiple unauthorized pulls from the same dealership, which I did not allow.

Instruction : Remove all XXXX XXXX related inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : Must be removed if not consumer-initiated per FCRA 604 ( a ).

Story : I never applied with XXXX at this time and was not notified of this inquiry. 
Instruction : Delete this inquiry due to lack of consumer consent. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA 604 requires that all inquiries be done with a permissible purpose.

Story : I do not recall nor have record of requesting credit from this entity.

Instruction : Remove this unauthorized inquiry. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : If no express permission was given, this inquiry violates FCRA 604 ( a ).

Story : I did not engage in any financing application with XXXX XXXX at this time.

Instruction : Remove this hard inquiry from my credit file.

These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made.

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