Consumer complaint received 2025-07-21 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: NV

Complaint narrative:
I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX Address Law Issue : FCRA 607 ( b ) requires credit bureaus to maintain maximum possible accuracy Story : I have never resided at this address nor do I have any financial or personal connection to it. Its presence on my report is misleading and may associate me with accounts or activity that are not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Address Law Issue : Inaccurate reporting of addresses without verification violates FCRA XXXX ( b ) Story : I do not know this address and have never received mail or service there. Its presence is causing confusion with account associations I do not recognize XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Chargeoff * * Law Issue : FCRA 611 requires the bureau to investigate and delete unverifiable accounts Story : I do not recall this account, and I was never contacted or notified regarding this debt. I believe this is either a mistake or the result of identity confusion XXXX  XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff * * Law Issue : FCRA 609 ( a ) ( 1 ) ( A ) grants me the right to full documentation of this account Story : I have no documents or agreements related to this account. I believe this account may be outdated, fraudulent, or incorrectly linked to me XXXX XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : Reporting a {$0.00} balance with a chargeoff status violates FCRA 607 ( b ) due to misleading information Story : This account should no longer appear as a charge-off if it is fully paid or settled. Keeping it as a negative item is deceptive and unfairly harming my report XXXX XXXX XXXX  XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$72.00} Collection * * Law Issue : FCRA 611 mandates that debt collectors must provide verifiable proof of a valid debt Story : This amount was never communicated to me. I had no unresolved billing with XXXX and suspect this collection is due to account closure issues or billing error XXXX XXXX NV XXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection * * Law Issue : Unverified third-party debt reporting without proof violates FCRA XXXX and FDCPA Story : I never had a financial relationship with XXXX NV XXXX I suspect this may be linked to a stolen identity or inaccurate furnishing of information XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : Duplicate unauthorized credit pulls violate the FCRA Story : I did not authorize even one inquiry from this dealership, and yet my report shows two. This is an abuse of access to my credit report XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 requires clear proof of permissible purpose for each inquiry Story : I did not initiate any credit-related activity with Ally on this date. This is an unauthorized access to my personal financial data XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA requires clear proof of application or permissible intent Story : I am unaware of this entity and have no idea why they pulled my report. This unauthorized access is a breach of my privacy XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : Unauthorized inquiries made without consent violate the FCRA Story : I never agreed to or initiated a credit pull by Autonation. This could be a dealership misuse of information or a misidentified consumer XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 prohibits accessing credit reports without direct consumer approval Story : I have not had contact or initiated any credit requests with XXXX. This inquiry is harming my credit unfairly I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus 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