Consumer complaint received 2025-09-24 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 filing this complaint with the Consumer Financial Protection Bureau because my credit report contains serious inaccuracies that are harming my creditworthiness and ability to obtain fair credit. I am requesting CFPB assistance to ensure the credit bureaus and furnishers follow the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by investigating and correcting or deleting these items. These errors are causing me financial harm, emotional distress, and are a direct violation of my rights under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address This address does not belong to me, and it is being wrongfully reported as part of my credit file. I have never resided at this location, never received mail there, and have no connection to it. The presence of this address on my file is misleading and creates the appearance of a mixed or merged credit file, which violates FCRA 607 ( B ) requiring maximum possible accuracy. Continuing to keep this address after I have disputed it multiple times demonstrates that you have failed to perform a reasonable reinvestigation as required by FCRA 611. Each reinvestigation must be meaningful, not a superficial verification with the same furnisher that provided the error. This inaccurate address also increases the risk of identity theft because it connects me to a place where I have never lived, potentially allowing fraudulent accounts to be associated with my name. Leaving this address on file is reckless and could mislead potential lenders, landlords, and employers reviewing my report. The FCRA was designed to prevent this type of harm. By law, you are required to permanently delete this address to maintain maximum possible accuracy. My right to a clean and truthful credit file must be respected, and failure to correct this will be seen as willful noncompliance under FCRA 616. 

XXXX XXXX  XXXX XXXX XXXX, CA XXXX Address This address is also inaccurate and must be removed immediately. I have never lived at this location, never opened accounts from this address, and never authorized its inclusion in my file. Its continued reporting violates FCRA 602 ( A ) because it creates an unfair and inaccurate representation of my personal history. It also violates FCRA 607 ( B ) since the address is neither complete nor accurate. A proper reinvestigation under FCRA 611 would reveal there is no lease, utility bill, or government-issued document connecting me to this address. Your failure to delete it shows a lack of reasonable procedures to assure maximum accuracy. Each day this remains on my credit report is another day I risk being linked to accounts that are not mine, and my file remains incomplete and misleading. The damage to my reputation is real creditors might assume instability or fraud risk based on addresses that do not belong to me. You are required to ensure my consumer file is truthful and current. I demand permanent deletion of this address and a copy of my updated credit report showing this correction. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account is being reported with late payment history that is false and can not be verified with complete documentation. I have disputed this before, and the late payment still appears, which violates my rights under FCRA 611 because the reinvestigation was clearly not reasonable. If the furnisher can not produce a signed contract, full payment history, and exact date of delinquency verified by primary source records, then this late payment must be deleted. Reporting negative payment history without certified proof is negligent and causes harm to my creditworthiness. Each inaccurate late payment can reduce my credit score and increase the cost of loans, insurance, and housing. FCRA 607 ( B ) requires that only information with maximum possible accuracy be reported, and unverifiable negative data fails that requirement. By continuing to report this, you are willfully harming my financial reputation and violating my right to a fair and accurate credit file. I demand that this late payment be permanently deleted from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$50000.00} Late Payment * * This student loan account is reporting late payments that are incorrect and harmful to my credit. If I was in deferment, forbearance, or under any administrative pause, late payments should not have been reported at all under federal student loan regulations and FCRA 607 ( B ). You are required to verify the accuracy of this reporting with complete documentation, including billing statements, account status records, and proof of delinquency dates. A failure to obtain this documentation and still reporting the late payment violates FCRA 611s reinvestigation standards. This negative information is causing severe financial harm, including denial of credit, higher interest rates, and loss of housing opportunities. Leaving this on my report without complete verification is reckless disregard for the truth and may be considered willful noncompliance under FCRA 616. If you can not provide full verification, you must delete the late payment history and update the account to a positive standing. 

XXXX XXXX XXXX CO XX/XX/XXXX Inquiry This hard inquiry was made without my knowledge or written authorization. I did not apply for credit or authorize XXXX XXXX XXXX Co to access my consumer report on this date, making this an impermissible inquiry under FCRA 604 ( a ) ( 2 ). Each unauthorized inquiry lowers my credit score and reveals my personal information to a company I did not give consent to. Reporting this inquiry after prior disputes shows that you have not performed a meaningful reinvestigation under FCRA 611. You are required to confirm that a permissible purpose existed before continuing to report this inquiry. If XXXX XXXX XXXX can not provide signed documentation showing my consent, this inquiry must be permanently deleted. Leaving it on my report is a violation of my privacy rights under the FCRA and causes harm by lowering my credit score unfairly. 

XXXX XXXX  XXXX XX/XX/XXXX Inquiry This inquiry is also unauthorized and must be removed immediately. I have no business relationship with XXXX or XXXX XXXX  XXXX, and I did not grant them permission to access my credit file. Reporting this inquiry is a violation of FCRA 604 and constitutes an impermissible pull of my report. An inquiry is considered private data access, and without my consent, it becomes an invasion of privacy and unlawful use of my information. A reinvestigation under FCRA 611 must confirm permissible purpose, and if no proof exists, this inquiry must be deleted. Continuing to report it after disputes indicates reckless disregard for my rights. This inaccurate reporting lowers my credit score and misrepresents my intent to seek credit. I demand permanent deletion of this inquiry and confirmation that no future unauthorized inquiries are allowed to remain on my file. 

I am requesting that CFPB ensure that the credit bureaus and furnishers conduct a full reinvestigation under FCRA 611, provide me with the results, and delete any information that can not be verified with original, documented proof. The continued reporting of wrong addresses, false late payments, and unauthorized inquiries is a violation of my rights and is causing me measurable harm. I am asking the CFPB to intervene and hold the credit bureaus and furnishers accountable for compliance with federal law and to ensure my credit report is corrected immediately.

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