Consumer complaint received 2025-07-29 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting XXXX intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Law Issue : Under the Fair Credit Reporting Act ( FCRA ) Section 602 and 611, consumer reporting agencies must ensure the accuracy and completeness of information. Reporting inaccurate address data can mislead lenders and violates your duty to report only verifiable data. 
Story : I have never lived at this address and it is being reported on my credit file without my authorization or association. This incorrect address may result from a mixed file or identity confusion and must be permanently removed to maintain report accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} Late Payment Law Issue : Under FCRA Section 611 and 609 ( a ), consumers have the right to challenge inaccurate payment history. Improper late payment reporting must be corrected or removed if not backed by complete records. 
Story : I dispute the reported late payments as I was under a deferment or forbearance agreement due to financial hardship during this period. These special statuses should not reflect delinquencies. Kindly verify with XXXX and update accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Late Payment Law Issue : FCRA XXXXection 623 ( a ) ( 1 ) ( A ) requires furnishers to report accurate and truthful data. Any late payment reported in error must be fully substantiated or removed. 
Story : I believe this late payment history is reported in error or without considering qualifying hardship protections. I request validation of these delinquencies or prompt deletion if inaccurate. 

XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Law Issue : Under FCRA Section 604 ( a ) ( XXXX ), hard inquiries require consumer consent and permissible purpose. If such purpose is absent, the inquiry violates federal law and must be removed. 
Story : I did not authorize this credit pull and never applied for any service from XXXX XXXX XXXX  on or around this date. This inquiry is causing unjust damage to my score and should be deleted. 

XXXXXXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX Law Issue : FCRA XXXX XXXX mandates that consumer reports be accessed only with explicit authorization or legitimate business need. 
Story : I never gave permission for XXXXXXXX XXXX or XXXX XXXX to access my credit profile. This inquiry was performed without my consent and should be removed immediately. 

XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) outlines the limits of access to consumer credit files. Unauthorized access constitutes a privacy violation and must be corrected. 
Story : I did not apply for credit or any related service from XXXX XXXX XXXX, and I request this hard inquiry be permanently removed as it was done without my consent. 

These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

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