Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit reports, including wrong addresses, incorrectly reported late payments, and unauthorized hard inquiries. Despite my previous disputes and attempts to correct these issues, the inaccuracies continue to appear, negatively affecting my creditworthiness, financial reputation, and access to fair credit. I am requesting immediate intervention from CFPB to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to restore accurate reporting on my credit files. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has never been associated with me in any capacity. Reporting it misrepresents my residential history and creates a false narrative about my identity. Lenders reviewing this may assume I lived at this location, which is completely inaccurate. Section 607 ( b ) of the FCRA requires maximum possible accuracy, which has not been met. Leaving this address on my file exposes me to identity confusion and potential fraud. I have no financial, personal, or legal connection to this property. Misreporting addresses affects credit applications, insurance verification, and background checks. Each day this false address remains, it harms my credibility with financial institutions. Section 611 mandates reinvestigation of disputed information, which has not occurred. By failing to remove this address, you are violating federal law. It could lead to wrongful debt collection or misattribution of accounts. Continuing to report this shows negligence and disregard for consumer rights. I demand immediate removal to restore accuracy. Failure to act will demonstrate willful noncompliance. My rights as a consumer must be protected. 

XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX This address is also entirely inaccurate and has never been my residence. Its inclusion misleads lenders and associates me with activity I never authorized. Section 607 ( b ) obligates bureaus to report accurate and complete information, which is clearly not happening here. Misreporting this location could result in wrongful assumptions about my financial behavior. I have no documentation linking me to this address. Leaving it on my report after multiple disputes demonstrates a failure to comply with FCRA obligations. This false information affects identity verification for banking, housing, and other purposes. Each day it remains damages my creditworthiness and misrepresents my history. Unverifiable information must be deleted immediately. Reporting inaccurate addresses violates federal law and exposes me to potential fraud. I demand full removal. Section 611 requires a proper reinvestigation, and failure to do so is unlawful. Lenders may be misled about my residency. This must be corrected immediately. Reporting it further continues to harm my credit profile. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} This account is reported with late payments despite a zero balance, which is entirely false. Reporting a closed, zero-balance account with derogatory marks violates Section 607 ( b ) of the FCRA. It misrepresents my financial responsibility to lenders. Viewing this account, creditors may assume I failed to pay debts I do not owe. Section 611 requires proper verification of disputed information, which has not occurred. Reporting late payments falsely is harmful to my credit score and financial reputation. It affects my ability to obtain loans and favorable interest rates. Misreporting accounts is a violation of my consumer rights. There is no evidence supporting the reported late payments. Each day it remains causes continued harm. The account must be corrected or deleted immediately. Reporting it as delinquent is unlawful. I demand deletion to restore accuracy. Lenders rely on your reporting, and false data causes harm. Immediate action is required under federal law. 

XXXX XXXX XX/XX/XXXX XXXX This duplicate inquiry is also unauthorized and misleading. Multiple inquiries for the same date without my consent violate Section 604. Section 607 ( b ) requires maximum accuracy, which has not been met. Section 611 requires proper reinvestigation of disputed items. Each duplicate lowers my credit score unfairly. It misrepresents my financial behavior. Leaving it on my file is unlawful. There is no verification of my authorization. Each day it remains causes continued harm. Federal law requires deletion if unverifiable. Immediate removal is required. Reporting duplicates damages my credit profile. This violates my rights under the FCRA. Failure to correct is negligent. I demand deletion. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was never authorized by me. Section 604 prohibits access without consent. Reporting it falsely implies I sought credit. Section 611 requires proper reinvestigation, which has not been done. Unauthorized inquiries reduce my score unfairly. Leaving it on my file misrepresents my financial activity. There is no proof of authorization. It exposes me to potential fraud. Each day it remains causes harm. Federal law requires deletion if unverifiable. Section 607 ( b ) requires maximum accuracy. Reporting it violates my FCRA rights. Immediate removal is required. Leaving it on my file demonstrates negligence. I demand permanent deletion. 

In conclusion, the continued reporting of inaccurate addresses, falsely reported late payments, and unauthorized inquiries is causing measurable harm to my creditworthiness and financial opportunities. I request CFPB oversight to ensure that all credit reporting agencies and furnishers comply with FCRA Sections 607, 609, 611, and 623, correct all inaccuracies immediately, and provide written confirmation of all completed actions. The protection of my legal rights and accurate credit reporting is of utmost importance, and I expect prompt resolution of these issues.

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