Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies, unauthorized entries, and misleading information currently being reported on my credit report. These entries have caused significant harm to my creditworthiness, reputation, and financial stability. Each of the following entries violates provisions of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and, in some cases, the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Under FCRA 602 ( A ), I have the right to expect maximum possible accuracy in my credit reporting, and the listed items clearly demonstrate noncompliance. 
WRONG ADDRESSES XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have never lived at this address, nor do I have any financial or personal ties to it. The presence of this address on my credit report suggests that my file has been mixed with another consumers information. 
Law : FCRA Section 609 ( a ) requires consumer reporting agencies to ensure that personal identifying information is accurate and pertains to the correct consumer. Reporting an address that does not belong to me violates this obligation. 
Story : Because of this false address, mortgage lenders have assumed I have a high-risk credit history. I was denied a pre-approval for a home loan, and the lender specifically cited discrepancies in address history as a contributing factor. This has delayed my ability to secure housing and caused emotional distress. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX Wrong Address Issue : I have never resided at this location, and no accounts have ever been opened by me there. 
Law : FCRA Section 611 ( a ) requires consumer reporting agencies to investigate disputed information and remove unverifiable or inaccurate data promptly.

Story : This false address led to me receiving a collection notice for an account I never opened. The collection agency assumed I was the same person associated with this address. This caused embarrassment and stress when I had to explain to my employer during a background check that this information was not mine. 
LATE PAYMENT ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX | High Balance : {$180000.00} | Date Opened : XX/XX/XXXX Late Payment * * Issue : The reported late payments are inaccurate and do not match my actual payment history. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

Story : This false late payment reporting caused my credit score to drop significantly, resulting in a higher interest rate on a recent auto loan. Over the life of the loan, this error will cost me XXXX  of dollars in additional interest charges. 
XXXX XXXX XXXX XXXX | High Balance : {$180000.00} | Date Opened : XX/XX/XXXX Late Payment * Issue : The payment history contains inaccurate entries that portray me as a chronic late payer. 
Law : FCRA Section 607 ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. 
Story : Due to this false reporting, my mortgage refinance application was delayed and nearly denied. I had to submit extensive documentation to prove my true payment history, which wasted time, money, and caused significant anxiety. 
XXXX XXXX XXXX XXXX | High Balance : {$0.00} | Date Opened : XX/XX/XXXX Late Payment * * Issue : This account shows late payments despite there being no debt, no contract, and no financial obligation. 
Law : FDCPA Section 807 ( 8 ) prohibits furnishing false credit information to a credit reporting agency.

Story : This incorrect listing led to my application for a professional license being flagged during a background check. I had to go through additional verification steps, which delayed my licensing process and impacted my career progress. 
COLLECTION XXXX  XXXXXXXX XXXX  | High Balance : {$2400.00} | Date Opened : XX/XX/XXXX Collection * * Issue : This debt is unverified, and no documentation proving its validity has been provided. 
Law : FDCPA Section 809 requires debt collectors to provide written verification of the debt upon request before continuing collection efforts. 
Story : This false collection account caused my rental application to be rejected. I lost the opportunity to move into a property I had already placed a deposit on, leading to financial loss and stress.

UNAUTHORIZED / EXCESSIVE INQUIRIES ( Under FCRA Section 604, a permissible purpose is required for any credit inquiry. Without consumer authorization or a valid business need, such inquiries are illegal. ) XXXX XXXX XX/XX/XXXX Inquiry Issue : I did not apply for any credit product from this company. 
Law : FCRA Section 604 ( a ) ( 2 ) prohibits inquiries without express consent.

Story : This unauthorized hard inquiry lowered my credit score, making it more difficult for me to qualify for competitive loan terms. 
XXXX XX/XX/XXXX Inquiry Issue : I have not applied for any Small Business Administration loan.

Law : FCRA Section 604 ( a ) ( 3 ) prohibits credit pulls without a valid permissible purpose.

Story : This inquiry wrongly suggests that I am seeking business financing, which could mislead other lenders about my financial obligations. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : I did not authorize this inquiry or apply for financing from this company. 
Law : Same as above FCRA Section 604 violation.

Story : Multiple unauthorized inquiries in a short period signal possible identity theft, forcing me to spend time and resources on fraud alerts. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : No application for credit was made to this lender. 
Story : This inquiry appears to be tied to an auto loan application I did not initiate, suggesting possible misuse of my personal information. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : I have no business relationship with this company. 
Story : The repeated nature of these inquiries across multiple auto finance companies is highly suspicious and indicative of potential fraud. 
XXXXXXXX XXXX  XX/XX/XXXX Inquiry Story : I have never shopped for a vehicle through AutoNation, yet this hard inquiry remains, damaging my score. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Story : I never applied for any credit builder account from this entity. The inquiry suggests unauthorized use of my identity. 
EXPERIAN XXXX XXXX  XX/XX/XXXX Inquiry Story : I have not applied for business credit ; this inquiry appears fraudulent. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Story : I have no connection with this company. The presence of this inquiry without authorization is damaging my credit standing. 
XXXX XX/XX/XXXX XXXX XXXX : I have not applied for any XXXX credit account. This is an unauthorized inquiry impacting my score. 
Legal Demand : Pursuant to FCRA 611 ( a ), I demand that the CFPB direct the relevant credit bureaus and furnishers to investigate and permanently delete all the above-listed inaccurate addresses, late payments, invalid collections, and unauthorized inquiries from my credit file. Under FCRA 616 and 617, willful or negligent noncompliance subjects the violators to actual, statutory, and punitive damages, as well as attorneys fees. I request that the CFPB take immediate enforcement action to ensure compliance, protect my consumer rights, and prevent further harm. 
I affirm under penalty of perjury that the facts stated in this complaint are true and correct to the best of my knowledge.

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