Consumer complaint received 2025-08-06 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 writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( Experian, XXXX, and XXXX  ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA 611 ( 15 U.S.C. 1681i ) Issue : Incorrect address not associated with me Story : This address does not belong to me and is not part of any application or account I've ever held. It must be removed immediately as its inclusion violates the accuracy requirement of my credit report XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Law : FCRA 611 ( 15 U.S.C. 1681i ) Issue : Inaccurate and possibly fraudulent address Story : This appears to be a misspelled or fabricated address. I have never had any affiliation with this location, and I request its deletion ACCOUNT XXXX Account # : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX  Law : FCRA 611 ; FCRA 607 ( b ) Issue : Late payment inaccurately reported Story : I dispute this late payment, as I was in communication with the creditor and made arrangements in good faith. This entry is harming my credit and must be corrected or removed XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 611 Issue : Paid account still reflects derogatory mark Story : This account is paid in full and should not carry late payment history. The negative mark is outdated and damaging XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$8.00} XXXX XXXX Law : FCRA 611 Issue : Inaccurate late payment reported Story : I was not late on this account ; there is no documentation provided to support this derogatory data. Please reinvestigate and correct it XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX Law : FCRA 611 Issue : Late payment despite settled status Story : This account was closed and settled without any outstanding balance. Reporting late payment is unfair and misleading XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2200.00} * * Law : FCRA 611 Issue : Charged-off account requires verification Story : This account was disputed previously. I request proper verification as required by law, otherwise this charge-off must be deleted immediately XXXX XXXX Account # : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Law : FCRA 611 Issue : Incorrect late payment Story : I was not late on this account, and no proof has been provided. I demand reinvestigation and deletion of this derogatory entry INQUIRY XXXX XXXX  XXXX Date XXXX XX/XX/XXXX Law : FCRA 604 Issue : Hard pull unauthorized Story : I never applied for any credit card or financing from XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Inaccurate credit access Story : I did not request or approve this inquiry XXXX XXXX  XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Credit check not approved Story : I have no connection to this inquiry and request removal XXXX  XXXX XXXX  Date : XX/XX/XXXX Law : FCRA 604 Issue : Inquiry not permitted Story : This was not authorized and must be removed XXXX  Date : XX/XX/XXXX Law : FCRA 604 Issue : Pulled without my approval Story : I never applied for any service from XXXX or XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Unauthorized credit inquiry Story : I did not approve this credit check in any form XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : No permissible purpose Story : I did not submit any application that justifies this inquiry XXXX  XXXX  Date : XX/XX/XXXX Law : FCRA 604 Issue : Improper credit pull Story : I never gave consent or had an open request on file XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Inquiry not initiated by me Story : This credit check was performed without my involvement or request XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Unjustified inquiry Story : I have no relationship with this creditor and never submitted an application XXXX  XXXX/XXXX  Date : XX/XX/XXXX Law : FCRA 604 Issue : No authorization provided Story : This inquiry was not approved by me and is harming my report XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Hard pull not permitted Story : This inquiry was unauthorized and must be removed XXXX Date : XX/XX/XXXX Law : FCRA 604 Issue : Inquiry was not approved Story : I never applied for any XXXX  product The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, XXXX  XXXX, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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