Consumer complaint received 2025-09-03 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX This second address has also been inaccurately linked to me. I have no residency history connected to this location, and it appears to be a clear error in your reporting system. The FCRA mandates strict accuracy in consumer records. By allowing false addresses to remain, you expose me to potential credit denials, confusion during identity verification, and association with debts or obligations that are not mine. I request that you conduct a proper reinvestigation into this address. Unless you can provide verifiable proof that I lived at this residence, you are legally required to remove it. Inaccurate addresses are misleading identifiers and must not remain in a consumers file. 

Account Disputes XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * It is not legally consistent to report late payments on an account that shows a {$0.00} balance and no open obligation. The FCRA requires reporting agencies to ensure that all derogatory information is fully verified with original records. Without concrete documentation showing that payments were actually late, this reporting is both misleading and harmful. Such inaccuracies cause lenders to unfairly judge my creditworthiness. Furthermore, reporting late payments when no balance exists creates confusion about whether the account was settled or misreported. Since you are obligated under law to maintain only verifiable records, I request immediate deletion of this inaccurate entry. 

Inquiry Disputes XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry was not made with my approval. Dealerships often engage in credit shopping, where they run multiple inquiries without the consumers direct consent. This practice is damaging and unlawful under the FCRA. Since I did not authorize this inquiry, it must be removed from my credit file. 

XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry is not valid as I did not personally authorize it. The FCRA prohibits reporting inquiries that were not consumer-initiated. Unless you can provide signed proof of my authorization, this inquiry is inaccurate and unlawful. It must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is showing on my report without my consent. I did not apply for credit with XXXX XXXX XXXX XXXX. Unauthorized inquiries suggest possible misuse of my information, which is a direct violation of consumer protection laws. This entry must be removed. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was never initiated by me. The FCRA requires every inquiry to be supported by permissible purpose, and no such proof exists here. This entry is harming my file and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX I never gave authorization for this inquiry. Allowing it to remain violates federal law and misrepresents my credit activity. You must provide proof of my consent, or else this inquiry must be removed. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and must be deleted. I did not apply for credit through XXXX. The FCRA prohibits reporting unauthorized inquiries, making this entry unlawful. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is not valid. I never applied for financing with XXXX XXXX. Without proof of permissible purpose, this item must be deleted. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not made by me. Reporting agencies must confirm consumer authorization before placing inquiries. Since no proof exists, this record violates the FCRA and must be removed. 

XXXX XXXX XX/XX/XXXX I never requested credit through XXXX XXXX. This inquiry is unauthorized and is unlawfully reported. It must be deleted from my file. 

XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized. The FCRA requires full proof of permissible purpose. Since I never initiated this, it must be deleted immediately. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is being disputed because I did not authorize it. Any inquiry without consumer consent is unlawful and must be removed. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry has been wrongly reported without my approval. As the law requires proof of consumer authorization, and since no such proof exists, this entry must be deleted. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

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