Consumer complaint received 2025-10-02 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 filing this complaint with the Consumer Financial Protection Bureau because my consumer rights have been violated under the Fair Credit Reporting Act and other applicable consumer protection laws. The credit bureaus and furnishers have failed to ensure the maximum possible accuracy of the information they are reporting, and the items below are inaccurate, incomplete, and must be corrected or deleted. I request that the CFPB intervene to ensure compliance with federal law and protect my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address This address is inaccurate, and I demand its deletion. I have never lived at this address nor provided it to any creditor. Under FCRA 1681e ( b ), consumer reporting agencies must assure maximum possible accuracy, yet reporting this false information shows a lack of compliance. Having this false address tied to my file creates a misleading picture of my residency history. It can cause creditors to associate me with accounts or activity that are not mine, which is unlawful. Repeatedly allowing this false address to remain after multiple disputes reflects willful noncompliance under the FCRA. I have provided no documentation that would ever justify keeping this address on file. Without proof from original creditors linking me to this location, it is unverifiable. The FCRA makes clear that unverifiable information must be deleted. This entry not only violates federal law but also damages my creditworthiness by suggesting instability or fraud. It is unfair and misleading to continue associating me with addresses I never lived at. Each time this address appears, it undermines the accuracy of my entire credit file. You are required by law to maintain only accurate information, yet this address clearly fails that standard. Removal of this address is not optionalit is mandated by law. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address This address is not mine and was never connected to me. Reporting it is misleading, inaccurate, and violates FCRA standards of accuracy under 1681e ( b ). Each time I dispute, you are legally obligated under 1681i to reinvestigate and remove unverifiable entries. Keeping this wrong address after multiple disputes reflects disregard for my rights. It falsely suggests that I resided at locations I never occupied. No original creditor or data furnisher can provide proper validation connecting me to this address. The FCRA makes clear that unverifiable information must be deleted, not retained. By allowing this address to remain, you damage my creditworthiness and open the door to identity confusion. The presence of this wrong address also creates potential for fraudulent linkages to accounts I never opened. Such inaccuracy is unlawful and unfair. I demand its permanent deletion in compliance with federal law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * This account is reported with late payments that are not accurate. I have disputed this before, but you have failed to provide any verifiable proof. Under FCRA 1681i, once a consumer disputes, you are obligated to reinvestigate. Reporting unverifiable late payments violates 607 ( b ), which requires maximum possible accuracy. Without original signed contracts, detailed payment history, and proof from the creditor, you can not continue to report these lates. Duplicate and misleading reporting of student loans is common, but it is unlawful when unverifiable. The FCRA requires deletion of unverifiable entries, not repetition of the same errors. Continuing to report these lates without proof is willful noncompliance. Such entries harm my creditworthiness and cause unjust damage. They give creditors a false impression of my payment history. No creditor has provided evidence to support these claims. The law requires fair and accurate reporting, yet this account is neither fair nor accurate. By keeping these false lates, you are in violation of federal law. I demand immediate deletion of all unverifiable derogatory entries tied to this account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Late Payment * * This account also reports late payments without proof. Duplicate entries of student loans in multiple variations are unfair and misleading. Reporting the same debt multiple times violates the spirit of FCRA fairness and accuracy. Under 1681i, unverifiable derogatories must be deleted. You can not keep reporting lates without original documentation from the creditor. No signed contracts, no valid proof, and no payment breakdowns have been provided. Reporting unverifiable data is unlawful. Such reporting damages my score unfairly and paints a false picture of my payment history. Keeping duplicate entries is particularly misleading. This entry fails the FCRA requirement of maximum possible accuracy. If you can not prove with complete documentation, it must be deleted. Continuing to report it is reckless and unlawful. I demand removal of this unverifiable, duplicate, and damaging account entry immediately. 

XXXX XXXX  XXXX XX/XX/XXXX Inquiry This is another unauthorized inquiry with no permissible purpose. Under 604, inquiries require consumer consent. I never authorized this entity to access my file. Reporting such inquiries is unlawful. Each unauthorized inquiry lowers my credit score unfairly. No proof of my consent exists. By law, unverifiable inquiries must be deleted. Keeping this inquiry violates FCRA standards. It misrepresents my credit-seeking activity. This repeated violation after disputes reflects reckless disregard for compliance. Unlawful inquiries must be deleted immediately. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. I never gave written consent to XXXX. Under FCRA 604, inquiries require permissible purpose. No documentation exists to show my authorization. Reporting this inquiry is unlawful and harmful. Each unauthorized inquiry damages my score. Such reporting is unfair and misleading. By law, unverifiable inquiries must be deleted. This inquiry fails the FCRA standard of maximum possible accuracy. Keeping it reflects negligence. I demand deletion of this inquiry immediately. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This second inquiry from the same entity is also unauthorized. No permissible purpose exists under FCRA 604. I never authorized this pull. Reporting multiple unauthorized inquiries from the same source is damaging and unlawful. Each inquiry lowers my score unfairly. No proof of consent exists. By law, unverifiable inquiries must be deleted. Retaining this inquiry is reckless and negligent. Continuing to report it after disputes constitutes willful noncompliance. I demand deletion immediately. 

I request that the CFPB investigate these violations immediately, compel the credit bureaus and furnishers to provide proper verification or delete the disputed information, and ensure that my rights under the Fair Credit Reporting Act are upheld.

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