Consumer complaint received 2025-08-17 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 609 ( a ) and FCRA 611 Credit bureaus must report only accurate information and reinvestigate disputed information Issue : This address does not belong to me, has no verifiable connection to my credit profile, and is inaccurately reported Story : I have never lived or received mail at this address, and its presence is misleading creditors and impacting my creditworthiness. Please delete this incorrect address immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 609 ( a ), FCRA 611, and FCRA 607 ( b ) Bureaus must ensure maximum possible accuracy of consumer information Issue : This address is not my residence and is being falsely associated with me Story : I have no contracts, bills, or valid proof linking me to this property. Its continued reporting is a violation of my rights and I request its deletion ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA 611 and FCRA 623 ( a ) ( 1 ) Furnishers can not report inaccurate payment history Issue : Account shows late payments but balance is {$0.00} and reporting is inconsistent Story : The late payment notation is incorrect and damaging. I request deletion or correction to reflect accurate payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$990.00} Late Payment Law : FCRA 611, FCRA 623 ( a ), and Fair Credit Billing Act Information must be verified and accurate Issue : This account reflects late payment reporting but has not been properly verified Story : I dispute the validity of these lates as they are inaccurate and unverified. Please reinvestigate and remove if no proof is provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$130.00} Late Payment Law : FCRA 611 and FCRA 607 ( b ) Inaccurate reporting must be corrected or removed Issue : Payment history is being reported inaccurately with late marks that are not mine Story : This reporting damages my credit score unfairly. I request deletion of the inaccurate late payment marks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$42.00} Late Payment Law : FCRA 611 and FCRA 623 ( a ) ( 1 ) Reporting must be accurate and verifiable Issue : This account shows late payments that are not supported with validation Story : I never missed payments on this account and the information is false. Please delete the lates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} Late Payment Law : FCRA 611 and FCRA 609 ( a ) Consumer has the right to request proof of reporting accuracy Issue : Late payment reporting is inconsistent and unverifiable Story : No records exist to validate these lates. I demand correction or deletion to ensure accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law : FCRA 611, FCRA 623 ( a ) ( 1 ), and FDCPA 807 Information must not be false or misleading Issue : This account is listed as a charge-off despite showing a {$0.00} balance Story : Reporting a charge-off with a XXXX balance is contradictory and misleading to lenders. This must be deleted for accuracy INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 A permissible purpose must exist for any hard inquiry Issue : No authorization or application was made with XXXX  XXXX XXXX : This unauthorized inquiry violates my rights and must be deleted XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 Unauthorized inquiries are prohibited Issue : No consent or credit application was given for this pull Story : This inquiry was placed without my permission and is damaging my credit. Please delete XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 A hard inquiry requires direct consumer consent Issue : No authorization was given for this inquiry Story : I did not apply for this account and therefore this inquiry is invalid. Remove immediately XXXX XX/XX/XXXX Law : FCRA 604 and FCRA 611 Unauthorized or inaccurate inquiries must be corrected or deleted Issue : This inquiry was not initiated by me and has no permissible purpose Story : This is unauthorized activity on my credit report and should be deleted at once I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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