Consumer complaint received 2025-08-30 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not associated with me at any time. Reporting inaccurate addresses constitutes a violation of FCRA Section 1681e ( b ) which requires maximum possible accuracy of reported information. I have never resided at this address, nor have I ever authorized its use for credit purposes. 

Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is false and unrelated to me. Under FCRA 1681i ( a ), inaccurate information must be promptly investigated and corrected. Inclusion of this address is misleading and negatively impacts my credit profile. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not valid for me and has never been used by me. Its presence violates my rights under FCRA 1681i and creates an inaccurate credit history. 

Account : XXXX XXXX XXXX Balance : {$300.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment This account shows late payments that are inaccurate. FCRA 1681i ( a ) obligates reinvestigation of disputed items. My account records show all payments made on time ; reporting late payment is false and damaging. 

Account : XXXX XXXX XXXX High Balance : {$700.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment This late payment is incorrectly reported. FCRA 1681i ( a ) requires reinvestigation and deletion of inaccurate data. My statements confirm timely payments ; the reporting agency is legally obligated to correct this. 

Account : XXXX XXXX XXXX XXXX High Balance : {$12000.00} | Date Opened : XX/XX/XXXX | Reported as Charge Off This charge-off is erroneous. Per FCRA 1681i, I request verification of this account. My records demonstrate no default or charge-off. Reporting it without validation is a violation of my rights. 

Account : XXXX XXXX XXXX XXXX High Balance : {$13000.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment Reported late payments are inaccurate. Under FCRA 1681i ( a ), I am disputing this information ; my records confirm timely payments. This reporting is misleading and unlawful. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. FCRA 604 ( a ) requires that any credit inquiry be conducted with my explicit consent or a permissible purpose. I did not apply for credit, nor provide authorization to this entity. Reporting this inquiry falsely affects my creditworthiness and misleads future creditors. I demand immediate removal, and request the bureau provide documentation proving I authorized this inquiry ; absence of such proof mandates deletion. 

Inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) obligates that all inquiries have permissible purpose or consent. I have no relationship with this creditor, nor did I authorize a credit pull. Inclusion of this inquiry falsely portrays my credit behavior and negatively impacts my credit score. Immediate removal is required, and verification documentation should be provided if the inquiry is claimed to be valid. 

XXXX : XXXX XX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) requires express consent or permissible purpose for all credit pulls. I did not request or authorize this inquiry, and its reporting is inaccurate and harmful. I demand deletion of this inquiry and written proof if they claim legal authorization. 

XXXX : XXXX XX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) mandates permissible purpose. I never applied for credit with this company and did not provide consent. Reporting this inquiry is false and misleading. Immediate deletion is required. 

Inquiry : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) violation. I have no account or credit relationship with this creditor and did not provide consent. This inaccurate reporting negatively affects my credit score. I demand removal and verification documentation if they claim authorization. 

XXXX : XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) requires express consent. I did not authorize this inquiry, and it is being reported incorrectly. Its presence on my credit report misrepresents my credit activity. Remove immediately or provide proof of authorization. 

XXXX : XXXX XX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) violation. I did not authorize this credit pull. Continued reporting of this unauthorized inquiry is illegal. I demand immediate removal. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry. FCRA 604 ( a ) mandates permissible purpose. I never applied for credit or authorized this inquiry. Its presence misrepresents my creditworthiness and must be deleted immediately. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. FCRA 604 ( a ) violation. I did not provide consent, and its reporting negatively affects my credit profile. Removal is required unless proof of authorization is provided. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

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