Consumer complaint received 2025-09-02 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, and unauthorized inquiries that are damaging my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., credit reporting agencies and furnishers are required to maintain maximum possible accuracy, conduct proper reinvestigations, and ensure fair handling of consumer information. These errors are violations of my rights and must be corrected. 

Wrong Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is another false address attached to my file. I have no rental, ownership, or residency history here. Reporting this as part of my profile can lead to mistaken identity and unlawful collection attempts. It also damages my ability to maintain clean credit history. The FCRA requires that consumer reporting agencies ensure accuracy and fairness in all reported information ( 1681e ( b ) ). Since you have not verified this residence with concrete documentation, this entry is unverifiable and must be removed under 1681i ( a ) ( 5 ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This wrong address further demonstrates negligence in reporting. I was never associated with this location, and leaving it attached to my file allows for fraudulent accounts or misattributed debts to be tied to me. Continued reporting of wrong addresses not only violates 1681e ( b ) but also constitutes willful noncompliance under 1681n if ignored after a proper dispute. The lack of removal after my first request shows the reinvestigation was not reasonable. This item must be deleted. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Reporting a late payment on an account that has a XXXX balance is contradictory and misleading. Under FCRA 1681e ( b ), consumer reporting agencies must assure maximum possible accuracy. Showing delinquency on a closed account with nothing owed suggests that I failed to pay when in reality no debt exists. This creates an unfairly negative impression and directly impacts creditworthiness. Courts have ruled that incomplete or misleading entries violate the FCRA because accuracy is more than just factually correct data it must not create a false impression. Since this account shows {$0.00} balance, any late payment notation is unverifiable and unlawful. This must be deleted. 

DEPTED/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment ( duplicate entries ) * * This account appears more than once on my credit file, which is duplicate negative reporting. FCRA 1681e ( b ) prohibits duplication because it misrepresents the severity of delinquency by reporting the same debt twice. In addition, the balance is {$0.00} and the date of opening is nearly a decade old, which falls under FCRA 1681c ( a ) regarding obsolete accounts. The bureau had a duty under 1681i ( a ) ( 1 ) to reinvestigate and correct this after my first dispute, but instead the duplicate remains. Reporting a late payment on a XXXX  balance account nearly ten years old is both misleading and unlawful. Both entries must be deleted. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8200.00} Charge Off * * This charge-off is unverifiable without original records from the furnisher. Under 1681i ( a ) ( 1 ), you are required to obtain verification from the furnisher of information, not just confirm through automated systems. Without a signed contract, payment history, and account-level documentation, this charge-off is not substantiated. FCRA 1681e ( b ) makes it clear that reporting unverifiable negative information violates consumer rights. Continued reporting of this charge-off without proof constitutes negligent and potentially willful noncompliance under 1681n. This account must be deleted. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off * * A charge-off on an account showing a XXXX balance is inconsistent, misleading, and violates FCRA standards XXXX If the balance is XXXX, there is nothing to charge off, making the notation itself false. This creates a damaging impression for future creditors, suggesting financial irresponsibility where no debt exists. Under FCRA 1681i ( a ), this entry must be verified with evidence from the original creditor. Since no such evidence has been provided, this account is unverifiable and must be removed. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Collection * * This collection entry is not backed with any proof of ownership or chain of title. Under the FCRA 1681e ( b ) and FDCPA 809, debt collectors must provide verification of the debt when disputed. Without showing original documentation proving legal right to collect, this entry is inaccurate and misleading. Many courts have ruled that unverifiable collections can not remain on a consumers file. Continuing to report this violates both the FCRA and FDCPA. This collection must be deleted immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This is another duplicate of the DEPTEDXXXX account and constitutes unlawful double reporting. Duplicate accounts inflate the severity of delinquency and artificially harm my score, violating 1681e ( b ). Additionally, this account is outdated and shows a XXXX balance, meaning no delinquency exists to be reported. The bureaus failure to delete this duplicate after the first dispute shows a lack of reasonable reinvestigation under 1681i. This entry must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Late Payment * * Late payments can not be reported without documented evidence from the furnisher. Simply confirming through automated systems like e-Oscar is not a proper reinvestigation under FCRA 1681i. If the furnisher can not provide proof such as monthly statements or payment records, the entry is unverifiable and must be removed. Reporting a late payment without proof is a direct violation of 1681e ( b ), which requires accuracy. Since no evidence has been presented, this account must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13.00} Charge Off * * Reporting a charge-off for only {$13.00} is excessive, misleading, and a misuse of negative credit reporting. Under FCRA 1681e ( b ), reporting must be fair as well as accurate. A charge-off designation implies serious delinquency, yet the amount is de minimis. This creates a false impression for creditors, making me appear riskier than reality. Continuing to report such an account without documented verification also violates 1681i ( a ). This account must be deleted. 

Inquiries XXXX XXXX XXXX XX/XX/XXXX This inquiry was never authorized by me, and I had no dealings with XXXX XXXX that would justify a hard pull of my credit report. Under FCRA 1681b, a consumer report may only be accessed with a permissible purpose such as an application for credit initiated by the consumer. Since no application or signed authorization exists, this inquiry is unlawful. Unauthorized inquiries are damaging because they lower my credit score, expose me to identity theft risks, and suggest that I sought credit I never applied for. Continued reporting of this inquiry is a direct violation of my rights and must be deleted. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is inaccurate because I never applied for credit or gave consent to XXXX XXXX XXXX to access my report. FCRA 1681b requires written authorization or a consumer-initiated transaction to justify access. Reporting an unauthorized inquiry is a violation of both accuracy and privacy under federal law. Each time an inquiry like this remains, it creates the false impression that I am frequently applying for credit, which harms my reputation with lenders. Since no documentation proves that this inquiry had permissible purpose, it is unverifiable and must be removed. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize XXXX XXXX XXXX to access my credit file on this date. This inquiry is being reported without my consent, which violates FCRA 1681b. Creditors and agencies must provide clear proof of permissible purpose, but none has been provided. Reporting an unauthorized inquiry not only damages my score but also violates my privacy rights. Each hard inquiry lowers my creditworthiness, and inaccurate inquiries expose me to potential fraudulent activity. The absence of authorization makes this inquiry unlawful and it must be deleted. 

These inaccuracies in addresses, accounts, and inquiries violate multiple sections of the FCRA including 602 ( A ), 604, 607 ( b ), 609 ( a ), 611, and 623 ( a ). The continued reporting of these items after disputes shows negligence and willful noncompliance. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and take corrective action against the responsible credit reporting agencies and furnishers for failing to maintain maximum accuracy, failing to investigate disputes properly, and allowing unauthorized inquiries. I seek immediate correction and deletion of all the above inaccurate information.

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