Consumer complaint received 2025-08-15 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 regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Law : FCRA 611 ( a ) ( 1 ) ( A ) Credit reporting agencies must ensure maximum possible accuracy and delete unverifiable information. 
Issue : This address is not mine, has never been associated with me, and is incorrectly linked to my file. 
Story : I have never lived at or used this address in any way. I have never signed a lease, paid utility bills, or received mail there. Its presence suggests possible file contamination or identity mix-up. If this address remains, it could cause future fraudulent accounts to be linked to my credit history, leading to more damage. Immediate deletion is necessary after proper reinvestigation. 

ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 611 ( a ) ( 1 ) ( A ) Information must be accurate and verifiable before being reported. 
Issue : This is a completely incorrect address on my report. 
Story : I have no personal, residential, or financial connection to this address. I have never resided there, had accounts tied to it, or given any institution this address. Keeping it on my report exposes me to unnecessary risk of mistaken identity and credit reporting errors. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$610.00} Late Payment Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate. 
Issue : Late payment being reported is inaccurate and unverifiable. 
Story : I have maintained consistent payment history on this account. The reported late payment is either a reporting system error or based on incorrect data. This false late payment is lowering my credit score and misrepresenting my creditworthiness to potential lenders. Unless you can provide the original signed agreement and full payment history directly from the original creditor showing this alleged delinquency, this item must be removed. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Late Payment * * Law : FCRA 611 ( a ) ( 5 ) If disputed information is found inaccurate, the bureau must promptly delete or correct it. 
Issue : Late payment reporting is not backed by verified payment history. 
Story : The reporting of a late payment on this account is harming my ability to qualify for favorable credit terms. This is especially damaging as this account is related to my education and should be accurately reported. No documentation proving the alleged delinquency has been provided in prior disputes, meaning it remains unverifiable. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Late Payment * * Law : FCRA 623 ( b ) Information must be updated and corrected upon notice of dispute. 
Issue : The reported late payments are inaccurate and unsupported. 
Story : This late payment entry is causing ongoing harm to my credit profile. In my prior dispute, the bureau did not provide the method of verification or evidence from the furnisher. Without verified documentation, this account should be removed to prevent continued misrepresentation of my credit history. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Late Payment * * Law : FCRA 611 All disputed items must be verified or removed. 
Issue : The late payment entry is false and misleading. 
Story : This entry is negatively impacting my financial credibility and blocking me from accessing better interest rates. It is either a clerical error or misapplied payment reporting. If the original creditor can not produce exact proof of late payment, it must be deleted. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment * * Law : FCRA 623 ( a ) ( 1 ) ( B ) Furnishers must correct and update information they determine is not complete or accurate. 
Issue : Inaccurate late payment reporting. 
Story : This late payment notation has no legitimate proof backing it up. It may be the result of incorrect loan servicing records. This false reporting has already affected my loan application process. This should be removed immediately if not fully verified. 

INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) A permissible purpose is required for any inquiry. 
Issue : Unauthorized inquiry without my consent. 
Story : I did not apply for any credit with this company. This hard inquiry is an invasion of my privacy and is harming my credit score. There is no signed application or documented permission from me. 

INQUIRY XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) Inquiries must be made with permissible purpose and consumer consent. 
Issue : No authorization given for this inquiry. 
Story : This inquiry is connected to a car dealership transaction I never initiated or approved. This action violates my consumer rights and should be removed. 

INQUIRY XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : FCRA 604 ( a ) ( 2 ) Permissible purpose is required.

Issue : Unauthorized inquiry.

Story : This company obtained my credit file without my permission. This could be linked to potential identity theft or improper sales practices. 

INQUIRY XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 Unauthorized pull of my credit file. 
Issue : No authorization for this inquiry. 
Story : I have no relationship with this company and never applied for credit from them. This is an unlawful access to my personal credit data. 

INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 Inquiry requires consumer consent. 
Issue : No record of permissible purpose. 
Story : This inquiry was made without my consent or authorization. It is hurting my credit profile and must be deleted immediately. 

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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