Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint against [ Credit Bureau Name ] and certain furnishers of information for reporting, maintaining, and failing to correct multiple inaccurate and unauthorized entries on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ).

These inaccuracies have caused measurable harm, including reduced credit scores, higher interest rates, denial of credit opportunities, and reputational damage. The credit bureau has failed in its obligations to maintain maximum possible accuracy ( 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed items ( 1681i ). Several furnishers have also violated their duty under 1681s-2 ( a ) to avoid reporting information they know or should know is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address Issue : Fraudulent or mixed-file entry. 
Law : FCRA 602A and 1681b limit permissible purposes for reporting such data.

Story : This California address has never belonged to me, and I have never applied for credit, leased property, or received mail there. The only logical explanation is that your system has mixed my credit file with another consumers. This creates severe risk of cross-reporting debt and could make me appear responsible for financial obligations I have never taken on. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address Issue : Not associated with my credit history. 
Law : FCRA 1681i ( a ) requires deletion of unverifiable data.

Story : I have never occupied or even visited this address. This is either a case of identity theft or a clerical merge error. The mere appearance of this on my file invites suspicion from lenders and landlords who expect a clear, verifiable residency history. 
XXXX XXXX XXXX XXXX XXXX XXXX  Address Issue : Wrong address reporting. 
Law : FCRA 1681e ( b ). 
Story : I have no connection to this location in New York. Lenders reviewing my file may question why I appear to have lived in so many far-apart locations, damaging their trust in my application and possibly causing denials. 
XXXX Account # XXXX High Balance : {$1300.00} Late Payment Issue : Payment history inaccurately reported as late. 
Law : FCRA 1681s-2 ( a ) prohibits furnishing information known to be inaccurate.

Story : I maintain meticulous payment records, and they show that my payments were made on time. This false late payment entry paints me as an unreliable borrower, causing interest rate increases and loan denials. The harm is measurable my score has dropped, and I was recently denied an auto refinance offer as a direct result. 
XXXX Account # XXXX XXXX  High Balance : {$770.00} Late Payment * * Issue : False late payment reporting. 
Law : FCRA 1681e ( b ) and 1681i require accuracy and reinvestigation.

Story : I have documentation showing I was never late on this account. Yet, because of this inaccuracy, I was offered a credit card with a {$500.00} limit instead of the {$5000.00} I qualified for based on my income, solely because my credit profile shows a late payment that never occurred. 
XXXX XXXX XXXX Account # XXXX High Balance : {$42000.00} Late Payment * * Issue : Inaccurate delinquency. 
Law : FCRA 1681s-2 ( b ) requires furnishers to correct and update inaccurate data.

Story : This entry shows a delinquency that never happened. I have proof of payments, but your system continues to show me as late. This has prevented me from being approved for a mortgage with competitive rates, costing me thousands in potential interest savings. 
XXXX Account # XXXX High Balance : {$14000.00} Charge-off * * Issue : Debt marked as charged-off in error.

Law : FCRA 1681i mandates prompt correction or deletion.

Story : I never defaulted on this account, and I was never provided any official charge-off notice. This entry is not only false but also extremely damaging, as charge-offs are one of the most severe derogatory marks a person can have. 
XXXX XXXX Account # XXXXXXXX XXXX  High Balance : {$2300.00} Duplicate Collection * * Issue : Duplicate reporting of same debt. 
Law : FCRA 1681e ( b ) prohibits duplicate negative entries for the same obligation.

Story : This is the same debt as above, yet it appears twice, doubling the negative impact on my score. This is not only unfair but also deceptive, as it creates the appearance that I have more unpaid debts than I actually do. 
XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry.

Law : FCRA 1681b ( a ) limits inquiries to those with permissible purpose. 
Story : I did not apply for credit with this company on this date, making this an unauthorized credit pull that lowered my score without my consent. 
XXXX XX/XX/XXXX Inquiry Issue : Unpermitted credit pull. 
Law : FCRA 604 ( a ) requires permissible purpose.

Story : No credit application was made to this company, yet they accessed my file, violating my privacy.

Requested Resolution I request the CFPB to : 1. Compel the credit bureau to delete all inaccurate addresses, account entries, and unauthorized inquiries listed above.

2. Direct the furnishers to provide documented proof of accuracy or immediately retract their reporting. 
3. Ensure all violations are documented for potential legal action under FCRA 616 and 617.

4. Require a corrected credit report to be sent to me and all recent recipients of the inaccurate report. 
Conclusion The ongoing reporting of false, unverifiable, and unauthorized information on my credit file has caused significant financial and personal harm. I urge the CFPB to take immediate action to enforce compliance with federal law and restore the integrity of my credit history.

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