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: ME

Complaint narrative:
I am submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Wrong Address XXXX XXXX XXXX XXXX, NC XXXX This address is incorrect and has no legitimate connection to me. Reporting this address violates FCRA Section 607 ( b ), which requires maximum accuracy of consumer information. Allowing a wrong address to remain suggests a failure in maintaining proper record-keeping. 

XXXX XXXX XXXX XXXX, NC XXXX This address is also false and not associated with my residence or identity. Continuing to list inaccurate addresses damages the integrity of my file and could expose me to fraud or misidentification, which is a direct violation of consumer protection laws. 

XXXX XXXX XXXX  XXXX, NC XXXX This address does not belong to me and has no authorized relationship to my credit profile. FCRA mandates accuracy, and the presence of such false identifiers creates confusion and misrepresentation. 

Accounts XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$140.00} This account is being reported as a charge off, but it is inaccurate and unverifiable. According to the FCRA Section 609 ( a ) ( 1 ), I have the right to request proof of how this information was verified, and Section 611 requires that unverifiable data be deleted. Reporting a balance without proper substantiation misleads lenders and violates the duty of accuracy. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$200.00} This is a duplicate or inaccurate entry, reported as a charge off, which further inflates negative data against me. FCRA prohibits duplicate reporting, and Section 623 obligates furnishers not to report inaccurate or incomplete information. Keeping this on file is an unlawful practice that creates an unfair negative impact on my credit. 

XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1200.00} This collection account is not properly validated. Under the FDCPA Section 809 ( a ) and FCRA Section 611, any collection item must be verified with original documentation proving the debt and my liability. Without such validation, this reporting is an illegal attempt to collect a disputed debt and must be removed. 

Inquiries XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. Under FCRA Section 604 ( a ) ( 3 ), only permissible purpose inquiries may appear, and this inquiry lacks such purpose. Unauthorized inquiries harm my credit score unlawfully. 

XXXX XXXX Bank XX/XX/XXXX This inquiry was not permitted by me. By law, you must remove inquiries that are unauthorized or unverifiable, as they do not serve any permissible credit purpose. 

XXXX XX/XX/XXXX This inquiry was placed without my consent, creating an unlawful negative impact on my file. It is in violation of FCRA provisions regarding consumer authorization. 

XXXX XXXX XXXX XX/XX/XXXX I never granted approval for this inquiry. This constitutes a violation of the FCRAs accuracy and permissible purpose clauses. 

XXXX XXXX XX/XX/XXXX A second inquiry from the same company is showing, which is both unauthorized and duplicative, increasing the harm to my credit report unfairly. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry was not approved by me. Any entity accessing my credit file without authorization violates my rights under federal law. 

XXXX XXXX XX/XX/XXXX This inquiry was made without my consent and serves no permissible purpose, and therefore must be deleted in accordance with FCRA guidelines. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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