Consumer complaint received 2025-10-18 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: NV

Complaint narrative:
This is a formal complaint regarding inaccurate, incomplete, and unverified information being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other federal laws. I have made prior disputes to the consumer reporting agencies regarding these items, but they have failed to conduct a proper reinvestigation as required by law. I am requesting your office to take immediate action to ensure that all inaccurate and unverifiable information is permanently deleted from my report. These errors are negatively affecting my creditworthiness, causing emotional distress, financial harm, and reputational damage. I am providing details below for each disputed item. 

ADDRESSES XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are incorrect and should not be linked to my profile. I have never lived, worked, or received mail at these locations. Reporting them connects me falsely to unrelated activity and creates misleading associations, violating FCRA Section 607 ( B ), which mandates reasonable procedures to assure accuracy. The continued listing of false addresses reflects negligent data handling and possible mixed-file errors. I demand immediate deletion of these addresses and verification documentation showing who furnished them and on what basis. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account inaccurately reports a late payment even though the balance is {$0.00}, which is logically inconsistent and unverifiable. Under FCRA Section 602 ( A ) and Section 607 ( B ), credit reporting agencies must ensure the maximum accuracy of consumer data. Reporting a late payment on a closed or zero-balance account indicates improper verification and damages my payment history unjustly. I have repeatedly requested validation and none has been provided, violating Section 611 ( A ), which requires deletion of any data that can not be verified through documented proof. This inaccuracy negatively impacts my creditworthiness, and I demand immediate correction or deletion. 

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 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 After reviewing my credit file, I discovered that several inquiries were made without my authorization or any legitimate purpose. I have not initiated any credit applications or provided consent to these entities for access to my credit report. Under FCRA 604 ( a ) ( 3 ), consumer reports may only be furnished for specific permissible purposes, such as when a consumer initiates a credit transaction. Since no such authorization or relationship exists, these inquiries are invalid and must be removed immediately. 
By continuing to report these unauthorized inquiries, the credit reporting agency violates FCRA 611 ( a ) ( 1 ) ( A ) for failure to ensure accuracy and reinvestigate disputed information, and the furnishers may be violating FCRA 623 ( a ) ( 1 ) ( A ) for reporting unverifiable data. These actions not only damage my credit score but also infringe upon my federally protected right to privacy.

I certify that the information provided in this complaint is accurate to the best of my knowledge. I am requesting full correction, reinvestigation, and permanent deletion of all inaccurate data from my credit file as required under FCRA 602, 607 ( b ), and 611.

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