Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS Law : FCRA 15 USC 1681e ( b ) Reasonable Procedures to Assure Maximum Possible Accuracy Issue : I have never lived at or been associated with this address and it is falsely linked to my credit profile Story : This address is completely unfamiliar to me and appears to be reported in error. Its presence is causing incorrect associations with accounts and inquiries I do not recognize. Please delete it from my credit file immediately as it is damaging and incorrect ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HIGH BALANCE : {$45.00} DATE OPENED : XX/XX/XXXX LATE PAYMENT Law : FCRA 1681s-2 ( a ), 1681i, 1681e ( b ) Issue : Late payment inaccurately reported ; I have no history of delinquency on this account Story : This account should reflect an on-time payment history. I dispute the alleged late status as it is incorrect and unverified. Please correct or remove this account accordingly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  HIGH BALANCE : {$15000.00} DATE OPENED : XX/XX/XXXX CHARGE OFF Law : FCRA 1681s-2 ( b ), 1681e ( b ), FDCPA 807 ( 8 ) Issue : This charge-off is reporting inaccurately ; not properly validated or verified Story : I dispute the accuracy and legality of reporting this account as a charge-off. I never received proper notice, and this listing is damaging my credit file. Please remove or reinvestigate thoroughly XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HIGH BALANCE : {$10000.00} DATE OPENED : XX/XX/XXXX LATE PAYMENT Law : FCRA 1681e ( b ), 1681s-2 ( a ) Issue : Late payment status reported in error Story : I have maintained this account responsibly. The reported late payment is not only misleading but unverified. I am requesting a full reinvestigation XXXXXXXX XXXX XXXX XXXX XXXX XXXX  HIGH BALANCE : {$23000.00} DATE OPENED : XX/XX/XXXX LATE PAYMENT Law : FCRA 1681i ( a ), 1681e ( b ), 1681s-2 ( a ) Issue : Incorrectly marked late payment history Story : This reporting is negatively affecting my credit score. I demand verifiable proof or immediate correction/removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HIGH BALANCE : {$6000.00} DATE OPENED : XX/XX/XXXX COLLECTION Law : FDCPA 809 ( b ), FCRA 1681s-2 ( b ) Issue : Third-party debt collector reporting unverifiable debt Story : I have no knowledge of this debt and did not authorize its placement. Validation was never provided. Please remove this collection account from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE OWED : {$600.00} CHARGE OFF Law : FCRA 1681e ( b ), 1681i Issue : Self-reported item with no validation or origin Story : This charge-off is baseless and was never validated with documentation. I dispute this and request removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE OWED : {$15.00} CHARGE OFF Law : FCRA 1681e ( b ), 1681s-2 Issue : Invalid reporting without origin Story : This small balance charge-off is not only unverified but entirely inaccurate. It is damaging my profile and must be deleted INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : No permissible purpose or authorization for this inquiry Story : I did not apply for credit with XXXX XXXX XXXXXXXX authorize this inquiry in any form. Under the FCRA, inquiries must have my direct consent and a legitimate business need, which this lacks. I demand deletion and proof of permissible purpose. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : Inquiry was conducted without my consent Story : I never applied for any credit or loan with XXXX XXXX  This inquiry is unauthorized, and I request immediate deletion under my consumer rights and proof of authorization. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : Hard inquiry pulled without a credit application Story : I did not engage in any credit-related activity with XXXX XXXX on this date. This inquiry appears on my credit report without my knowledge or permission, and I dispute its validity. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : Unauthorized inquiry affecting credit profile Story : I have no relationship with XXXX XXXX XXXX and never applied for any credit or service. This inquiry is inaccurate and misleading. Please remove it immediately. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : Lack of permissible purpose Story : I did not initiate or authorize any credit request from XXXX XXXXXXXX XXXX XXXX This inquiry is not legitimate and was done without my permission. It must be investigated and removed. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : Inquiry listed without credit authorization Story : I dispute this inquiry as I did not apply for auto financing with XXXX XXXX XXXX XXXX. It is not linked to any legitimate application and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : Improper hard inquiry entry Story : I did not authorize or initiate any inquiry by XXXX XXXX XXXX. This inquiry is damaging my credit profile unfairly and must be removed from my record. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : No existing or pending application Story : I have never applied for credit through XXXX XXXX XXXX XXXX. This inquiry was made without my knowledge and violates my rights under the FCRA. I want it deleted. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : Hard inquiry pulled without my consent Story : I have never authorized or been involved with XXXXXXXX XXXX. This is an unpermitted inquiry and must be deleted from my report. Proof of authorization is required. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : Unverified inquiry harming credit Story : I never applied for credit with XXXX XXXX XXXX. This inquiry was made without my involvement and must be deleted immediately. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA Section 604 ( a ) ( 3 ) Permissible Purpose Issue : No permissible reason or relationship Story : I am not affiliated with XXXX XXXX and did not authorize this inquiry. This is a serious violation of the FCRA and should be removed immediately. 

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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