Consumer complaint received 2025-11-04 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 formally dispute the inaccurate and harmful information being reported on my credit profile by various furnishers and data furnishers. The information listed below violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Bureau regulations. The continued reporting of these inaccurate items has caused significant harm to my creditworthiness and overall financial stability. 

Address : XXXX XXXX XXXX XXXX, CA XXXX This address is inaccurate and not associated with my verified residence history. Under FCRA 607 ( B ), TransUnion must ensure the utmost accuracy in identifying information. Continuing to report this false address indicates a lack of reasonable procedures to assure accuracy and compliance with 611 ( A ) ( 5 ) ( A ). I have never lived or received mail at this address, and its continued reporting creates the false impression of identity association. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is also not connected to my verified residence history and represents a clear breach of FCRA 607 ( B ) accuracy obligations. The bureaus repeated failure to remove it after multiple disputes is a willful violation under 616. This inaccuracy misrepresents my identity and has contributed to the inclusion of unrelated accounts and inquiries. 

Account : XXXX XXXX XXXX XXXX * High Balance : {$100000.00} Date Opened : XX/XX/XXXX The payment history reported under this account is inaccurate and violates FCRA 602 ( A ) ( 1 ) and 611 ( A ) ( 1 ) ( A ). The lender failed to properly verify payment postings, and no documentation proving accuracy has been provided by the furnisher. XXXX failure to delete unverifiable data after previous rounds of disputes represents reckless disregard of the law under 616 and 623 ( A ) ( 1 ) ( D ). 

XXXX XXXX BANK XXXX * High Balance : {$19000.00} Date Opened : XX/XX/XXXX The account is reporting false late payments inconsistent with my records and contradicting the information provided by the original creditor. As per FCRA 611 ( A ) ( 5 ) ( A ), unverifiable or inaccurate information must be deleted within 30 days of reinvestigation. XXXX has repeatedly failed to comply, demonstrating negligence and failure to uphold 607 ( B ) accuracy requirements. 

Inquiry : XXXX XXXX NA XX/XX/XXXX This unauthorized inquiry was conducted without my written consent or application. Reporting unauthorized access to my credit file violates 604 ( A ) ( 3 ) ( A ) and 607 ( A ). Each inquiry negatively impacts my credit score and is being used unlawfully. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry is unverified and was made without a permissible purpose under 604 ( A ) ( 2 ). I have not initiated or consented to any credit request with this institution on or near this date. Continued reporting of this unauthorized inquiry violates FCRA 607 ( B ) and 611 ( A ). 

XXXX XXXXXXXX XXXX XX/XX/XXXX This inquiry was not authorized or initiated by me. It represents an unlawful access of my consumer file in violation of 604 ( A ) ( 3 ) ( F ). The bureaus failure to validate or remove it after prior disputes constitutes noncompliance with 611 ( A ) ( 1 ) ( A ). 

XXXX XXXX BANK XX/XX/XXXX This inquiry was not made by me or with my permission. Reporting this without verification or permissible purpose is in violation of FCRA XXXX ( A ) ( XXXX ). The continued display of such inquiries undermines accuracy and trustworthiness of my file under 607 ( B ).

I am requesting the CFPB to conduct a full investigation into these violations, direct the involved furnishers and credit bureaus to immediately remove or correct all disputed items, and ensure compliance with all sections of the Fair Credit Reporting Act and applicable consumer protection laws. The persistence of such inaccuracies constitutes ongoing harm and emotional distress, for which I seek correction and accountability under federal consumer 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