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: TN

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have no personal or financial connection to this XXXX address and it should not appear on my credit report. It is misleading and harmful to have an address tied to me that I never lived at or used. Allowing false data to remain violates the requirement of accuracy under the FCRA and creates confusion for lenders reviewing my profile. This entry represents a clear error that must be corrected immediately. I request that this address be deleted from my records without delay. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX This address has no association with me and has been incorrectly listed on my report. I have never resided at or conducted any business at this location. Reporting this address continues to damage my file by suggesting I lived at a place where I did not, which misleads creditors and violates the FCRAs standards of accuracy. Keeping unverifiable addresses tied to me creates risks of fraud and misrepresentation. I demand a full reinvestigation and removal of this false address. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$6900.00} This account is reporting late payments that are inaccurate and unverified. Despite my first dispute, no documentation has been supplied to prove the accuracy of these late payments. Under FCRA 611, credit bureaus must remove unverifiable information from a consumers report. By continuing to report late payments without furnishing original signed documents or payment history, you are violating federal law and misrepresenting my financial history. These late payment claims damage my creditworthiness by suggesting delinquency where none exists. They mislead potential lenders and creditors who rely on this report for decision making. The FCRA requires accuracy and fairness, but keeping unverifiable derogatory data is both negligent and unlawful. This account should either be corrected with full documentation or permanently removed from my file. If the information can not be 100 % validated with original source records, then the bureau has no legal authority to keep it. I demand a thorough reinvestigation and deletion of this account if validation is not possible. 

XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX {$4000.00} This second account is also reporting inaccurate late payments. I previously challenged this information, yet you failed to provide any validation or supporting documentation. According to the FCRA, when a consumer disputes an item, the bureau must verify it with reliable evidence from the furnisher or delete it entirely. No such evidence has been provided, which means the continued reporting of this account is a violation of my rights. These late payment notations harm my credit by creating the false appearance of poor payment history. They lower my score, limit my financial opportunities, and mislead anyone reviewing my credit report. Under FCRA 609 and 611, I have the right to request verification, and the bureau has a duty to ensure accuracy. Without full proof from the original creditor showing I was late, this entry can not be legally reported. Keeping unverifiable late payments on my file is unlawful, misleading, and damaging. I demand a full reinvestigation, and if you can not validate with complete records, this account must be deleted from my credit report immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my knowledge or consent, which makes it unlawful under FCRA standards. Each unauthorized inquiry lowers my score and causes potential lenders to misjudge my profile. I never applied for credit through this institution on that date, nor did I authorize them to pull my report. I demand that this inquiry be removed immediately to restore accuracy and compliance with federal law. 

XXXX XXXX XXXX XXXX XX/XX/XXXX This entry is an unauthorized inquiry that was never initiated by me. Such inquiries harm my credit standing and give the false impression that I sought auto financing when I did not. Under the FCRA, reporting an inquiry without permissible purpose violates my rights and demonstrates negligence in maintaining accurate records. I require that this be deleted without delay. 

XXXX XXXX XXXX XX/XX/XXXX I never applied for credit through this company and never gave them consent to access my credit report. Reporting unauthorized inquiries violates the principle of maximum possible accuracy under FCRA 607 ( b ). Keeping this inquiry harms my score and misrepresents my credit behavior. I demand its deletion from my file. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and should not appear on my report. It lowers my score and creates the impression of multiple credit applications that do not exist. The FCRA requires bureaus to delete unverifiable or unauthorized information, and this clearly qualifies. XXXXmmediate removal is required to maintain compliance. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was placed on my report without my consent, which violates my rights under the FCRA. It misrepresents my credit-seeking activity and reduces my overall score. I never authorized or initiated this action, and its presence is both damaging and unlawful. I demand deletion immediately. 

XXXX XXXX XX/XX/XXXX This second inquiry is duplicative, unauthorized, and misleading. Not only was I never consulted, but the bureau has allowed duplicate entries to remain, which exaggerates the harm. This violates the FCRA requirement for accuracy. I request that this be deleted without delay. 

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