Consumer complaint received 2025-09-11 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 submitting this complaint to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CA XXXX This is another incorrect and unverified address listed on my credit report. I have no lease, utility bill, or legal connection to this location, and its presence is misleading to anyone reviewing my credit. FCRA XXXX ( a ) ( XXXX ) ( A ) requires that unverifiable information be removed after reinvestigation. Failure to remove this address after my prior disputes shows noncompliance with the law and neglect of your duty to report accurate data. I require immediate deletion of this address from my credit profile. 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$3500.00} This account lists late payments that are not accurate and have never been properly verified despite multiple disputes. Under FCRA XXXX ( a ), you must reinvestigate and obtain documentation such as original payment history and contracts from the furnisher. If that proof can not be provided, this derogatory data must be deleted. Continued inaccurate reporting is harming my XXXX XXXX, affecting my interest rates, and costing me real financial losses. The bureaus failure to correct this error after prior disputes shows reckless disregard for my rights. Remove these lates immediately or provide full verification with documentation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$4400.00} The reported delinquencies are unverifiable and appear to be duplicated across multiple trade lines, which is misleading and unfair. Under FCRA XXXX ( b ), you must assure maximum possible accuracy. My previous disputes were either ignored or received a verified response without providing proof. This is insufficient under FCRA XXXX ( a ) ( XXXX ) ( A ). Each month this negative item remains, my credit suffers unnecessary damage. I am demanding removal unless you can produce a signed contract and full payment history that proves these lates. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$4000.00} This account continues to report late payments even though the servicer has failed to validate them. Under FCRA XXXX, unverifiable information must be removed. This inaccurate reporting has caused denial of credit and job opportunities, which is a direct harm. Your bureaus responsibility is to protect consumers by ensuring only verified data is reported. I demand immediate deletion of these late payments or written proof from the furnisher within XXXX  days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$7200.00} The negative information on this account has been challenged multiple times. Each time, the bureau has returned a generic verified response without providing supporting documentation. This is a violation of FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ) which requires you to provide the method of verification. Because no proper validation has been supplied, these lates are considered unverified and must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$4200.00} This account is over a decade old and should no longer be reporting inaccurate late payment information. Continuing to display unverifiable data after multiple disputes is willful non-compliance under FCRA XXXX. The harm caused by this error has a direct effect on my ability to secure affordable housing, employment, and credit. I demand permanent deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$5100.00} This account is still reporting late payments that are not supported by proof. Under FCRA and FDCPA, unverifiable negative data can not remain. I am formally requesting a reinvestigation and deletion if you can not produce a full accounting of the alleged delinquencies. 

INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX This inquiry was not authorized by me, which means it violates FCRA XXXX ( a ) ( XXXX ) because no permissible purpose exists. Each unauthorized inquiry lowers my XXXX XXXX and creates the false appearance that I am seeking excessive credit. Continued reporting after prior disputes is considered negligent reporting under FCRA XXXX. I demand permanent removal of this inquiry from my credit file. 

XXXX XXXX  XXXX XX/XX/XXXX I never applied for credit with this company, and there was no account opened as a result of this hard pull. The FCRA is clear that only inquiries made with my written consent or initiated by me can remain. This unauthorized inquiry is harming my ability to qualify for favorable credit terms. Please remove it immediately and provide proof if you believe it is authorized. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and unverifiable. It negatively impacts my credit utilization and can be seen as a risk factor by lenders. FCRA XXXX requires that you conduct a reasonable reinvestigation when I dispute an inquiry, and failure to remove an unverified inquiry is a violation of my rights. I am demanding its deletion from my file. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not approved by me and no account was opened. Its presence damages my creditworthiness and is a violation of FCRA permissible purpose rules. Continuing to display this XXXX  pull after multiple disputes shows failure to comply with FCRA requirements. Remove it immediately or provide written documentation of my authorization. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not initiated by me and creates an inaccurate view of my credit-seeking behavior. Each XXXX  inquiry impacts my score for up to XXXX years. FCRA XXXX requires a permissible purpose, and this inquiry does not meet that requirement. Delete this inquiry immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There is no record of me authorizing this inquiry. It is an unauthorized XXXX pull that harms my credit profile and is a direct violation of FCRA XXXX ( a ). I am requesting its immediate removal and written confirmation once completed. 

XXXX XXXX XXXX XX/XX/XXXX This is a duplicate unauthorized inquiry, which creates double damage to my score. The bureau must not allow multiple unauthorized inquiries for the same creditor to remain. Please delete this inquiry immediately. 

XXXX XX/XX/XXXX I did not authorize this inquiry, and no permissible purpose exists. Its continued reporting is unlawful and unfairly damages my credit standing. Please delete it within XXXX  days and send me written results of the reinvestigation. 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

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