Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Address XXXX XXXX XXXX, XX/XX/XXXXXXXX is not and has never been associated with me. Reporting this false address on my credit report is misleading and creates unnecessary risk of identity confusion. The Fair Credit Reporting Act Section 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy of the information they report, and this false address clearly fails that standard. By attaching an incorrect address to my file, you are mixing my personal history with information that does not belong to me, which can affect my eligibility for housing, credit approvals, and even employment. I have never signed a lease, utility agreement, mortgage, or any document connected to this address, which means you can not verify it to me. Reporting an address without verifiable evidence violates federal law. You have already been put on notice in my previous disputes, and your failure to correct this error after two rounds shows you are not fulfilling your legal duties. I demand the permanent deletion of this false address from my file. 

Account XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$250.00} Chargeoff This account is being inaccurately reported as a charge-off, yet no validation has been provided despite my repeated requests. Under Section 611 of the FCRA, when a consumer disputes an item, you must conduct a reasonable reinvestigation and provide verification if you intend to continue reporting it. To this day, I have received no proof of original agreements, no signed documents, no detailed payment history, and no evidence that the creditor has legal ownership of this debt. A charge-off is a serious derogatory mark and must be supported with verified records, not assumptions. Reporting unverifiable information violates Sections 609 and 623 of the FCRA. Furthermore, continuing to damage my credit standing with this inaccurate report after two disputes shows reckless disregard for the truth. If you can not produce documented evidence of this accounts validity, including the original contract and a complete accounting of the balance, you must delete it immediately. 

XXXX XXXX XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3.00} Late Payment This account is being reported with a late payment even though the balance is only {$3.00}, which is both unreasonable and inaccurate. A {$3.00} balance should never result in a derogatory mark that damages a consumers credit history. The FCRA Section 623 prohibits furnishers from reporting data they know or should know is inaccurate. There is no logical or factual basis to mark me delinquent over such a trivial amount, and no creditor has provided verified evidence that this late payment actually occurred. This inaccurate reporting has already caused harm to my creditworthiness by suggesting a history of nonpayment that is not true. It is impossible to justify continuing to report such damaging information when it is neither substantial nor accurate. By refusing to correct this mistake after repeated disputes, you are knowingly misrepresenting my payment history and violating my consumer rights. I demand this false late payment entry be deleted without delay. 

XXXX XX/XX/XXXXDate Opened : XX/XX/XXXX Balance Owed : {$460.00} Collection This collection account remains unverified and must be removed. A collection can only be reported if there is clear proof that the debt is valid, the amount is correct, and the collector has the legal right to collect. Despite my prior disputes, no proof has been provided to show an original signed agreement, a detailed statement of charges, or transfer of ownership rights. The FDCPA Section 809 ( b ) requires that debt collectors provide validation upon request, and the FCRA Section 611 requires that unverifiable information be deleted. By keeping this collection on my file without any proper evidence, you are in direct violation of federal law. Reporting unvalidated debts damages my credit standing, lowers my score, and interferes with my ability to secure fair credit opportunities. Your continued reporting of this collection after repeated disputes demonstrates willful neglect. I demand its immediate deletion. 

Inquiry XXXX XXXX XX/XX/XXXX I never submitted a credit application with XXXX. They had no permissible purpose under FCRA 604 to access my report. To date, no signed documentation or proof of consent has been provided. Reporting this inquiry without verification violates FCRA 611 and must be corrected by immediate deletion. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry appeared without my knowledge or authorization. I did not grant XXXX permission to review my credit file. The FCRA requires consumer consent, and since no proof has been provided, this is an unlawful entry. Continued reporting after multiple disputes shows negligence and disregard of my rights. 

XXXX XXXX XX/XX/XXXX I have no application, account, or financial relationship with XXXX XX/XX/XXXX. Their inquiry is unauthorized and unverifiable under FCRA 604. Without signed consumer consent, there is no permissible purpose. This reporting harms my score and must be permanently deleted under FCRA 611. 

XX/XX/XXXXXX/XX/XXXX I never applied for credit with XXXX XXXX XXXX, nor have I had any dealings with them. They accessed my report illegally and without consent. Under FCRA 604, a lender must show direct authorization, which has not been provided. This entry is inaccurate and must be deleted immediately. 

XX/XX/XXXX XX/XX/XXXX No application was made to XX/XX/XXXXon this date, and I did not authorize this inquiry. The FCRA prohibits credit pulls without a permissible purpose. This account remains unverified and is lowering my creditworthiness. I demand its deletion in compliance with FCRA 611. 

XX/XX/XXXXXX/XX/XXXX I have no connection with XXXX XXXX and never requested credit from them. This inquiry is both unauthorized and unverifiable under the FCRA. Since no written authorization exists, this reporting is false and misleading. It must be removed immediately to comply with federal law. 

XXXX XXXX XXXX XX/XX/XXXX This company has no permissible reason to obtain my report, as I never applied for credit with them. Under FCRA 604, no entity can pull a credit file without written consumer authorization. This inquiry was placed unlawfully and must be deleted to restore the accuracy of my file. 

XX/XX/XXXXXX/XX/XXXX I did not initiate an application with XXXX XXXX XX/XX/XXXXon this date. This inquiry is unauthorized and has never been verified. The continued presence of this item violates FCRA 611, which obligates removal of unverifiable data. I expect this to be deleted at once. 

XX/XX/XXXX XX/XX/XXXX This is yet another unauthorized pull from XX/XX/XXXX, and I did not grant approval for it. FCRA 604 requires permissible purpose, and none has been proven. Repeated unlawful entries suggest systemic noncompliance. This inquiry must be eliminated from my credit report. 

XXXX XX/XX/XXXXXX/XX/XXXX I never requested services from this company and did not authorize this inquiry. The FCRA requires consumer consent and proof of purpose. Since neither exists, this is a false and damaging entry. It must be removed immediately under FCRA 611. 

XX/XX/XXXXXX/XX/XXXX I have never applied for or engaged with XX/XX/XXXX. This inquiry lacks my consent, making it a violation of FCRA 604. If proof of permissible purpose can not be produced, it must be permanently deleted. The law requires accuracy and fair reporting. 

XX/XX/XXXX XX/XX/XXXX This inquiry was made without my knowledge or approval. I never sought financing from XXXX XXXX, making this an unauthorized pull. FCRA 604 and 611 mandate removal when consent can not be verified. This entry must be deleted from my file immediately. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXX No application or authorization was ever submitted to XX/XX/XXXX by me. This inquiry is unlawful, unverified, and damaging. Under FCRA standards, unverifiable data must be removed. I demand deletion of this inquiry immediately. 

XXXX XXXX XXXX XX/XX/XXXX This is a second unauthorized entry from XXXX. I have never permitted them to review my report. The FCRA prohibits continued reporting of unverifiable inquiries, and their repeated violations demonstrate willful disregard of the law. This inquiry must be deleted at once. 

XXXX XX/XX/XXXXXX/XX/XXXX I did not request credit or financing from XX/XX/XXXX. They accessed my credit file without consent, which violates FCRA 604. Since no authorization exists, this inquiry is both false and harmful. It must be removed immediately. 

XXXX XXXX XX/XX/XXXX I have no relationship with this company and never applied for credit. This inquiry was unauthorized and continues to damage my report. Without proof of permissible purpose, it violates FCRA 604 and 611. I demand its deletion. 

XXXX XXXX XXXX XX/XX/XXXX I never gave XXXX XXXX permission to access my credit report. No application or authorization exists. Reporting unverifiable inquiries violates federal law and causes me financial harm. This entry must be permanently deleted under the FCRA. 

XXXX XX/XX/XXXXXX/XX/XXXX I have no connection with Auto Connection and did not authorize this inquiry. Without signed consumer consent, this inquiry is unlawful. The FCRA requires accuracy, and keeping unverifiable items is a violation. I expect full deletion of this entry. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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