Consumer complaint received 2025-08-23 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 to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Section 609 and Section 611 require credit reporting agencies to maintain only accurate and verifiable information.

Issue : This address is not mine and is being falsely reported on my credit file. 
Story : I have never lived at this address and it is completely unrelated to my identity or credit history. Its presence creates confusion and falsely associates me with accounts or activity that do not belong to me. 
Instruction : Delete this address immediately from my credit file as it is unverifiable and inaccurate. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Section 609 and Section 611 guarantee that all reported addresses must be accurate, complete, and verifiable. 
Issue : This address is being wrongly listed on my credit report. 
Story : I have no ownership, rental, or occupancy connection to this location. This error makes it appear that I have lived in multiple places where I have never resided, which damages the accuracy of my personal identifying information. 
Instruction : Remove this address from my credit file and ensure it is not reinserted without full certification of accuracy. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Section 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Issue : This address is inaccurate and must be deleted. 
Story : I have never lived at this location. The reporting of this address attaches me to accounts or information that is not mine, leading to a false and harmful picture of my creditworthiness. 
Instruction : Delete this address from my credit file as it is not valid, not verifiable, and not part of my identifying records. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment XXXX XXXX Law : FCRA Section 609 and Section 611 require that all accounts reported must be accurate, fair, and verifiable. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

Issue : This account is being inaccurately reported with a late payment despite showing a {$0.00} balance owed.

Story : It is not logical or accurate to report a negative late payment status when the account has been closed with a XXXX balance. This misrepresentation is damaging to my credit profile and does not reflect the true standing of the account. 
Instruction : Correct or permanently delete this account from my report because the late payment is unverifiable, inaccurate, and misleading. 

Inquiry : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 states that inquiries can only be made with permissible purpose. 
Issue : This inquiry is unauthorized and has no permissible purpose tied to me. 
Story : I did not apply for credit with XXXX XXXX XXXXXXXX XXXX on the date shown. This unauthorized inquiry is harming my score and exposing me to potential identity fraud. 
Instruction : Remove this inquiry from my credit report immediately as it was done without my authorization or permissible purpose. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 requires inquiries to be made only with my knowledge and permissible purpose. 
Issue : This is an unauthorized inquiry. 
Story : I did not authorize XXXXXXXX XXXX XXXX XXXX XXXXXXXX to pull my credit report on this date. This type of activity is damaging and creates the appearance of credit-seeking behavior that I did not engage in. 
Instruction : Permanently delete this inquiry from my credit report as it is inaccurate and unauthorized. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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