Consumer complaint received 2025-10-26 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: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my credit report contains inaccurate and unauthorized information that violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have consistently disputed these items directly with the credit reporting agencies, but the issues remain unresolved. These inaccuracies are severely damaging my creditworthiness, employment opportunities, and financial stability. I am requesting the CFPB to open an immediate investigation and compel the credit bureaus and furnishers to correct or delete the information reported in violation of federal law. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address is inaccurately listed and have no verified relationship to my current or past residency. Reporting inaccurate address information misrepresents my identity and violates my rights under FCRA 602 ( A ), which states that inaccurate or obsolete personal data can not be maintained in consumer reports. I request the immediate removal of this false address. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Late Payment * * This account has been reported with late payments that are not accurate. I have never been delinquent on this account, and there is no record of any missed payments from my end. Reporting late payments without valid proof is a violation of FCRA 607 ( B ) which mandates furnishers to report data with maximum accuracy. It also violates FCRA 611 ( A ) ( 1 ) as the creditor must provide verifiable evidence upon reinvestigation. I request this account be corrected or deleted entirely if no documentation supports the accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Late PaymenXXXX XXXX XXXX XXXX XXXX XXXXXXXX has reported late payments that are inconsistent with my payment history. No proper notice or evidence was ever provided showing missed payments. Under FCRA 623 ( A ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. This error has damaged my creditworthiness, and I demand deletion or correction based on verified proof only. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} Late Payment * * This account appears to be falsely reported with late payments that do not match my actual account activity. The reporting agency has failed to provide accurate and verified data under FCRA 609 ( A ) ( 1 ), which entitles me to complete disclosure of the sources and verification methods used. I request reinvestigation and deletion if no substantial verification can be provided. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * A zero-balance account should not reflect any late payment. This false reporting directly violates FCRA 607 ( B ) and shows negligence in data handling. A {$0.00} balance can not logically coincide with a delinquency, making this record inaccurate. I request immediate deletion. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Late Payment * * This account lists a late payment that I dispute as entirely false. No factual evidence or documentation of such a delinquency has ever been presented. Under FCRA 611 ( A ) ( 1 ), I am entitled to a complete reinvestigation and removal of unverifiable data. Please delete this account if validation can not be obtained from the original creditor. 

Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these inquiries was made without my consent or any permissible purpose under FCRA 604 ( a ) ( 2 ) and 604 ( f ) ( 1 ). I did not apply for credit or authorize these entities to access my report. These inquiries constitute violations of my privacy and have unfairly harmed my credit profile. Under FCRA 611 ( A ), I request the immediate deletion of these unauthorized inquiries from my credit report.

I am requesting the Consumer Financial Protection Bureau to investigate these violations thoroughly and compel the credit bureaus and furnishers to permanently delete all unverifiable, inaccurate, and unauthorized data from my credit reports. These errors have caused substantial harm and emotional distress due to the financial obstacles and denials resulting from false reporting. I demand full compliance with FCRA 602, 607, 611, and 623, as well as FDCPA 805 and 809. I am seeking written confirmation from the responsible parties once these violations have been corrected and deleted from all reporting systems.

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