Consumer complaint received 2025-10-10 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: OH

Complaint narrative:
This complaint is being filed against the credit reporting agencies and data furnishers listed below for repeatedly reporting false, unverifiable, and damaging information on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) 602, 607, 609, 611, and 623. 

INCORRECT ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is false and unrelated to any verified identity information belonging to me. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unknown address, possibly due to reporting errors or identity misuse.

Under FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), these inaccurate addresses must be permanently removed from my report as they do not belong to me and compromise the integrity of my credit file. 
ACCOUNT DISPUTES XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290000.00} Reported as Late Payment I dispute this reporting as inaccurate. I have never been late on this account. Any alleged delinquency is false, misleading, and unsupported by proper documentation. Reporting late payments without proof violates FCRA 623 ( a ) ( 1 ) ( A ) as it furnishes information known or believed to be inaccurate. I request full validation of payment history or deletion of this false derogatory remark. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Reported as Late Payment This late payment entry is incorrect. I have maintained timely payments and never defaulted. Such false reporting has damaged my credit score and reputation. Under FCRA 602 and 611, I demand reinvestigation and correction of the payment history to reflect accurate and timely status. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment This account is incorrectly showing a late payment even though the balance is {$0.00}. It is impossible to have late activity on a paid-off or inactive account. This reporting is clearly in violation of accuracy requirements under FCRA 607 ( b ) and must be corrected immediately. 
UNAUTHORIZED OR DUPLICATE INQUIRIES XXXX XXXX XXXX XX/XX/XXXX I did not authorize these inquiries. The multiple and duplicate pulls are damaging and unlawful under FCRA 604 ( a ) ( 2 ). No permissible purpose exists for these hard inquiries. I demand removal of all unverified inquiries and confirmation in writing that they were deleted. 
LEGAL GROUNDS FOR COMPLAINT These actions collectively violate the following sections of the Fair Credit Reporting Act ( FCRA ) : 602 ( A ) : Right to accurate and fair credit reporting 607 ( b ) : Failure to follow reasonable procedures to assure maximum accuracy 609 ( a ) ( 1 ) ( A ) : Failure to provide verifiable source information 611 ( a ) ( 1 ) ( A ) : Failure to reinvestigate disputed items properly 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate 616 and 617 : Civil liability for willful and negligent noncompliance Furthermore, the presence of false addresses and unauthorized inquiries raises potential identity theft concerns, which the bureaus have failed to address appropriately. 
REQUEST FOR CFPB ACTION I respectfully request that the CFPB investigate these violations and compel : 1. Immediate deletion of all false addresses from my credit report.

2. Removal or correction of the inaccurate late payment and collection accounts.

3. Removal of all unauthorized hard inquiries.

4. Written confirmation from all parties involved verifying the corrections.

5. Enforcement action against any furnisher or bureau found in violation of FCRA obligations. 

Declaration : I certify that the information in this complaint is true to the best of my knowledge. The listed inaccuracies have caused serious harm to my credit reputation and financial standing, and I request swift corrective action.

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