Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., against the credit reporting agencies and furnishers who have failed to ensure accuracy, proper investigation, and lawful handling of my credit information. My credit file has been severely damaged by multiple inaccuracies, including wrong addresses, misreported accounts, late payments that never occurred, charge-offs reported in error, duplicate collections, and unauthorized inquiries. 
The following items represent inaccurate, misleading, and legally non-compliant reporting that has caused me financial and reputational harm : Wrong Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Issue : False and unverified reporting of a residence not connected to me. 
Law : FCRA 609 ( a ) ( 1 ) gives me the right to know the sources of information, and reporting inaccurate addresses violates that right.

Story : This address has no connection to my history. Credit bureaus failure to verify accuracy attaches me to other peoples financial obligations. This is misleading to creditors, insurers, and landlords who now view me as risky when in fact this is entirely false. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong address reported, completely unrelated to me. 
Law : FCRA 611 ( a ) ( 1 ) ( A ) requires that inaccurate information must be deleted or corrected upon dispute.

Story : Associating me with this address falsely links me to unknown individuals and financial accounts. This is reckless and negligent reporting. The continued presence of this wrong address results in me being flagged for possible fraud and denied access to fair credit opportunities. 
Account : XXXX XXXX XXXX High Balance {$340000.00}, Date Opened XX/XX/XXXX Late Payment Issue : Inaccurate late payment reporting. 
Law : FCRA 607 ( b ), FDCPA 807 ( 8 ).

Story : I never missed payments in the way reported. The bureaus failure to properly verify has falsely shown me as delinquent on a large financial obligation. This is severely harmful because lenders now view me as a high-risk borrower. My payment history has always been my priority, and this error undermines years of responsible financial management. 
Account : XXXX XXXX XXXX XXXX, High Balance {$0.00}, Date Opened XX/XX/XXXX Charge Off Issue : A charge off reported on a {$0.00} balance account is contradictory and false. 
Law : FCRA 607 ( b ), FACTA accuracy provisions. 
Story : It is impossible for a zero-balance account to be charged off. This reporting is logically inconsistent, unverified, and constitutes reckless disregard for truth. It makes me appear financially irresponsible when the account itself shows no debt. This is a direct violation of federal law and an attack on my character and credibility. 
Account : XXXX XXXX XXXX XXXX High Balance {$620.00}, Date Opened XX/XX/XXXX Charge Off Issue : Reported as a charge off without proper verification. 
Law : FCRA 611 requires removal if unverifiable. 
Story : I dispute this negative status because I never defaulted in the manner alleged. Reporting this account as charged off misrepresents my financial behavior. Such false reporting damages my score, restricts my opportunities for credit, and paints a false image of me as unreliable. 
Account : XXXX XXXX XXXX XXXX, High Balance {$34000.00}, Date Opened XX/XX/XXXX Charge Off Issue : Inaccurately reported as charged off. 
Law : FCRA 607 ( b ).

Story : This account should not have been listed as a charge off. Reporting it this way misleads lenders and employers who rely on credit reports. This inaccurate entry is destroying my credibility and constitutes willful noncompliance. 
Account : XXXX XXXX XXXX XXXX, High Balance {$18000.00}, Date Opened XX/XX/XXXX Late Payment Issue : Late payments are reported inaccurately. 
Law : FCRA 611, FDCPA 807. 
Story : I dispute these late payments. This reporting ignores my timely payments and mislabels me as negligent. This has resulted in higher interest rates, denials of credit, and mental distress. The harm caused by this error is ongoing and unacceptable. 
Account : Regional Finance XXXX, High Balance {$7200.00}, Date Opened XX/XX/XXXX Charge Off Issue : Improper reporting as a charge off. 
Law : FCRA 611. 
Story : I dispute the charge off entirely. This account was not charged off, yet is listed as such. This misrepresentation prevents me from fair access to financial products and lowers my credibility in the marketplace. 
Accounts : XXXX XXXX XXXX XXXX, High Balance {$20000.00} and {$35000.00}, Date Opened XX/XX/XXXX Charge Off Issue : Multiple entries with inconsistent balances for the same account. 
Law : FCRA 607 ( b ). 
Story : Reporting the same account multiple times with conflicting balances shows complete disregard for accuracy. This inflates my negative profile and causes unnecessary credit score damage. It is unfair, unlawful, and must be corrected immediately. 
Hard Inquiries ( Disputed Individually ) Inquiry : Consumer Portfolio Svc XX/XX/XXXX Issue : This inquiry was not authorized by me and I never applied for credit with XXXX XXXX XXXX. 
Law : FCRA 604 ( a ) ( 2 ) requires permissible purpose before any credit inquiry is made.

Story : This hard pull was placed on my file without consent. I did not submit any application on or around that date, so this inquiry is fraudulent or in error. It has harmed my credit score by making it look like I am aggressively seeking financing when I was not. 
Inquiry : XXXX XXXX XX/XX/XXXX XXXX : Unauthorized inquiry. 
Law : FCRA 604 ( a ) ( 2 ). 
Story : I never authorized this company to access my credit file. I had no business relationship or application with them. The inquiry is false and lowers my score unfairly. 
Inquiry : XXXX For XXXX XXXX XX/XX/XXXX XXXX : Wrongful inquiry without permission. 
Law : FCRA 604.

Story : This company pulled my credit without any consent or application. Such behavior is deceptive and constitutes a violation of my privacy rights under federal law. 
XXXX : XXXX XXXX XX/XX/XXXX Issue : Unauthorized credit pull. 
Law : FCRA 604 ( a ) ( 3 ) ( A ).

Story : I did not apply for financing through XXXX XXXX. Reporting this inquiry harms me because lenders view multiple inquiries as riskier behavior. This is unfair and untrue. 
Inquiry : XXXX XXXX XX/XX/XXXX Issue : Inquiry made without any permissible purpose. 
Law : FCRA 604 ( a ). 
Story : I never applied for any credit with XXXX XXXX. This inquiry was placed wrongly and is damaging my reputation with creditors. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX Issue : Unverified inquiry. 
Law : FCRA 604, FACTA provisions.

Story : I never requested credit or loan products with XXXX XXXX XXXX on that date. This inquiry was unauthorized and misrepresents my financial behavior. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX Issue : False inquiry. 
Law : FCRA 604. 
Story : No authorization was given to this creditor. This is a breach of my rights and hurts my credit profile. 
Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604. 
Story : I did not request an auto loan with XXXX XXXX XXXX XXXX on this date. This inquiry lowers my score and makes me appear desperate for credit. 
Inquiry : XXXX XX/XX/XXXX Issue : Improper inquiry without authorization. 
Law : FCRA XXXX. 
Story : XXXX accessed my report without a legitimate application. This is a clear privacy violation. 
Inquiry : XXXX XXXX XX/XX/XXXX XXXX : Duplicate unauthorized inquiry. 
Law : FCRA 604. 
Story : Multiple inquiries from this creditor appear without my consent. Such duplicate entries exaggerate my credit seeking activity and violate federal law. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA XXXX. 
Story : I never applied with XXXX XXXX. This inquiry is fraudulent or in error and damages my score. 
Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized. 
Law : FCRA 604. 
Story : I never sought financing on this date. This hard pull unfairly reduced my score. 
Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Duplicate unauthorized inquiry. 
Law : FCRA 604. 
Story : XXXX XXXX XXXX XXXX is repeatedly showing up with multiple inquiries. I dispute this as inaccurate and harmful. 
Inquiry : XXXX XXXX XX/XX/XXXX XXXX : Unauthorized inquiry. 
Law : FCRA 604. 
Story : I never gave permission for this inquiry. It misrepresents my borrowing activity. 
Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : False inquiry. 
Law : FCRA 604. 
Story : This inquiry was not authorized. It unfairly damages my score and credibility. 
Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604. 
Story : I never applied for credit at this time. This pull is false and unlawful. 
Inquiry : XXXX XXXX Accept XX/XX/XXXX Issue : Wrongful inquiry. 
Law : FCRA 604. 
Story : No application was made with this creditor. This violates my consumer rights. 
Inquiry : XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604. 
Story : I never gave XXXX consent to review my credit. This inquiry is improper and unlawful. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604. 
Story : I did not request credit from this company. This false inquiry hurts my report. 
Inquiry : XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604. 
Story : I never authorized this pull. It creates a false picture of my credit usage. 
Inquiry : XXXX XXXX XX/XX/XXXX XXXX : Duplicate and unauthorized. 
Law : FCRA 604. 
Story : Multiple inquiries from this entity appear without my knowledge or consent. This exaggerates my risk profile unfairly. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 604. 
Story : I never applied with XXXX XXXX. This inquiry should not exist. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXX : Unauthorized inquiry. 
Law : FCRA 604. 
Story : No authorization was given. This inquiry must be deleted. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXX : Unauthorized inquiry. 
Law : FCRA 604. 
Story : I did not apply for any financing here. This inquiry is fraudulent and harmful. 
Overall Harm and Non-Compliance : The repeated pattern of inaccurate reporting, failure to correct errors upon dispute, and allowance of unauthorized inquiries demonstrates systemic violations of the FCRA and FDCPA. Each inaccuracy has caused me denial of credit, emotional distress, reputational harm, and unnecessary financial hardship. 
Relief Requested : I respectfully request that the CFPB : 1. Conduct a full investigation into these reporting errors. 
XXXX. Order the credit bureaus and furnishers to immediately delete the inaccurate addresses, account errors, and unauthorized inquiries. 
XXXX. Require the furnishers to provide documentation verifying accuracy before re-reporting any negative information. 
XXXX. Ensure compliance with FCRA and FDCPA provisions to prevent further harm. 
I am attaching supporting documents, including prior disputes sent to the bureaus, proof of my correct address, and payment records for the disputed account. 
Thank you for your attention to this matter. I trust the CFPB will uphold my rights under federal law and hold the responsible parties accountable.

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