Consumer complaint received 2025-10-31 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:
Dear CFPB Representative, I am submitting this formal complaint against the credit reporting agencies and the following furnishers for reporting false, inaccurate, and unauthorized information on my credit report. These errors are causing me financial harm, denial of credit, and emotional distress. The information being reported is not accurate, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transactions Act ( FACTA ), and the Consumer Financial Protection Act of 2010. 
WRONG ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Wrong Address According to FCRA 609 ( a ) and 611, I have the right to dispute any information that I believe is inaccurate or incomplete. The following accounts and inquiries are either falsely reported, unauthorized, or incorrect, and must be immediately verified or removed if proper documentation can not be provided ACCOUNT DISPUTES : XXXX XXXX Late Payment High Balance {$2000.00} Date Opened : XX/XX/XXXX This account is incorrectly reported as having late payments. I have never made any late payments, and the status is false. Please update and correct the payment history to show a perfect on-time record under FCRA 607 ( b ) for maximum possible accuracy. 

XXXX XXXX Late Payment High Balance {$60.00} Date Opened : XX/XX/XXXX Same issue : this late payment status is inaccurate and must be corrected immediately as I have always paid on time. Please verify or remove the negative mark under FCRA 611 ( a ).

UNAUTHORIZED INQUIRIES : The following inquiries were not authorized by me. I did not grant written or electronic permission to any of these companies to access my credit file. Under FCRA 604 ( a ) ( 2 ) and 615 ( a ), inquiries without my authorization are a direct violation and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX REQUEST FOR CFPB ACTION : I am requesting that the CFPB initiate a full investigation into the reporting practices of the furnishers and the credit bureaus. I demand the removal of all false addresses, the deletion of all unauthorized inquiries, and the correction or deletion of all inaccurate account data. Each bureau should provide proof of verification within XXXX  days, as required by FCRA 611 ( a ) ( 1 ).

If the credit bureaus and furnishers fail to comply, I request that the CFPB hold them accountable under FCRA 616 and 617, which allow for civil liability and statutory damages for willful noncompliance.

Thank you for your time and assistance. I trust the CFPB will ensure that my consumer rights are protected and that all inaccurate information is promptly corrected.

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