Consumer complaint received 2025-07-29 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 complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Issue : FCRA Section 602 ( a ), 604 ( a ), and 609 ( c ) ( 1 ) ( A ) Story : I have never lived at this address and it is being inaccurately reported on my credit profile. This may indicate identity confusion or data merging error. 

XXXX XXXX XXXX XXXX XXXX XXXX Law Issue : FCRA Section 602 ( a ), 604 ( a ), and 609 ( c ) ( 1 ) ( A ) Story : This location is unfamiliar to me, and I have never resided or received mail here. Please remove this inaccurate address from my credit file. 

DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * Law Issue : FCRA Section 611, 607 ( b ), and 623 ( a ) ( 1 ) ( A ) Story : I dispute the reported late payment. I have no records of this delinquency and was not properly notified. Under the FCRA, unverifiable or inaccurate information must be deleted. 

DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} Late Payment * * Law Issue : FCRA Section 611, 607 ( b ), and 623 ( a ) ( 1 ) ( A ) Story : This is a duplicate account entry for the same debt, reported with a different balance. Duplicate reporting is misleading and should be deleted. 

XXXXXXXX XXXX XXXXXXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : This appears to be a duplicate inquiry or one conducted without my authorization. Please investigate and remove this item if unverifiable. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : I never authorized this inquiry and did not seek credit from this institution. Please delete unless you can provide documentation. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : I dispute this hard inquiry as I had no dealings with this lender. It was done without my knowledge or consent. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : I never applied for credit with this entity. This inquiry was unauthorized and is harming my credit profile. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : I do not recall authorizing this hard pull. Please provide evidence of authorization or remove the entry. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : I did not submit any credit application to this company. I demand that this inquiry be removed if you can not validate it. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : I never had contact with this company and did not give permission for any credit access. This inquiry must be deleted if unverifiable. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : I dispute this inquiry. It was made without my consent or any permissible purpose. Please investigate and remove. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Story : I did not apply for credit with this entity and did not authorize this pull. I request its immediate deletion.

These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

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