Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint because my credit report contains inaccurate, misleading, and unverifiable information that violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal consumer protection laws. Despite attempts to resolve these issues directly with the credit reporting agencies, my disputes remain unresolved. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to investigate and enforce my rights. 
XXXX. XXXX Account # XXXX XXXX XXXX  Date Opened : * * XX/XX/XXXX High Credit : {$10000.00} Issue : Repeated Late Payments reported inaccurately Addresses linked : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX FCRA Violation 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information knowingly or without verifying its accuracy.

FCRA Violation 611 : Failure of bureaus to conduct a reasonable reinvestigation upon my dispute.

FCRA 602 ( A ) : This reporting is not fair, equitable, or respectful of the confidentiality and accuracy required. 
Impact : The continuous reporting of late payments is causing undue harm to my creditworthiness and future borrowing ability. 
I have never lived at or used the addresses listed above in association with this account. Therefore, I believe the linkage of these addresses is inaccurate and misleading, resulting in improper data association and profiling under my credit file. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Hard Inquiry appearing on my credit report FCRA Violation 604 ( a ) ( 3 ) : Permissible Purpose Required No permissible purpose was provided or authorized by me for XXXX ( XXXX ) to access my credit file. 
FCRA Violation 604 ( c ) ( 1 ) ( B ) : I did not initiate any credit transaction or application with this institution.

Impact : This inquiry is negatively affecting my credit score and suggests unauthorized access to my sensitive financial data. 
Additional Concerns : These reporting errors appear systematic, and not isolated. 
I request a full reinvestigation and deletion of inaccurate information. 
I have already disputed with the bureaus and received either no response or incomplete results, violating my rights under FCRA 611.

Request for Relief : I respectfully request the CFPB to : 1. Investigate XXXXXXXX XXXX and XXXX 's reporting practices on my credit report.

2. Require the removal or correction of all inaccurate data, especially incorrect addresses and late payment history not properly validated.

3. Demand removal of the unauthorized inquiry by XXXX unless they can provide my express written consent.

4. Enforce compliance with all relevant sections of the FCRA ( 15 U.S. Code 1681 ) and FDCPA, including penalties if appropriate.

5. Provide a full written explanation of findings and resolution actions taken. 
Attached Supporting Documents : Copy of credit report showing errors Proof of current and past accurate addresses Screenshot or documentation of the unauthorized inquiry Prior dispute letter ( s ) submitted to credit bureaus Declaration : I declare that the facts presented in this complaint are true to the best of my knowledge. I am requesting immediate and thorough action to prevent further damage to my credit profile and financial well-being.

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