Consumer complaint received 2025-10-01 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 filing a formal complaint regarding multiple inaccurate entries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and relevant state consumer protection laws, I request an immediate investigation, correction, or deletion of the following items. I have no knowledge of or authorization for these accounts or inquiries. Reporting inaccurate information violates federal law, damages my credit, and affects my financial opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address This address is incorrectly listed on my credit report. I have never resided at this location nor authorized its use for any financial accounts. The inclusion of this false address creates confusion, potential identity risk, and misrepresentation of my residence history, which is a direct violation of 15 U.S.C. 1681e ( b ) requiring accurate reporting. I demand immediate removal of this incorrect address. 
XXXX XXXX XXXX High Balance : {$690.00} Date Opened : XX/XX/XXXX Chargeoff I have no knowledge of this account and never opened or authorized it. Reporting a charge-off for an account I never opened is a severe inaccuracy under 15 U.S.C. 1681i ( a ) and 1681c-2. Such false negative reporting adversely affects my creditworthiness, potential employment opportunities, and financial reputation. I demand the deletion of this account from my credit file immediately. 
XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Late Payment I have never made any late payments on this account, nor do I recognize this account. The reporting of late payments without validation is a clear violation of FCRA 1681s-2 ( b ). Misreporting payment history harms my credit profile and misleads creditors. I request immediate correction of this accounts status to accurately reflect my non-existent delinquency. 
XXXX XXXX XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurately listed as having late payments. I have no record of opening or transacting on this account. Reporting false delinquencies is misleading, damages my credit, and constitutes noncompliance with FCRA 1681i ( a ) ( 1 ). I demand verification and correction or deletion of this account. 
XXXX XXXX XXXX * High Balance : {$880.00} Date Opened : XX/XX/XXXX Late Payment I have never made late payments on this account, nor do I recognize this account. Reporting a late payment on an unrecognized account is a severe inaccuracy and violates FCRA 1681s-2 ( b ). This false reporting negatively impacts my credit score and misleads potential lenders. Immediate correction or deletion is demanded. 
XXXX XX/XX/XXXX Inquiry Duplicate entry of an unauthorized inquiry. I have no relationship with this creditor and did not consent. Immediate deletion is required under FCRA regulations. 
XXXX XXXXXX/XX/XXXX Inquiry This inquiry is unrecognized and unauthorized. Reporting it falsely impacts my creditworthiness. Corrective action is required immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is fraudulent or erroneous. I have no account with this entity and did not provide authorization. Immediate deletion is requested. 
XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Inclusion in my credit report without my consent violates FCRA and misrepresents my credit profile. I demand removal. 
XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this hard inquiry. Misreporting unauthorized inquiries is a direct violation of federal law. Immediate removal is required. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unrecognized and unauthorized. Reporting it falsely affects my creditworthiness. Deletion is required immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I never authorized this inquiry. Including it violates FCRA 1681b and misrepresents my credit profile. I demand prompt deletion. 
I request that all above items be fully investigated, corrected, or deleted, and that I receive written confirmation of the results. I reserve all rights to escalate this complaint to federal and state regulators and to pursue legal remedies if these inaccuracies are not corrected promptly.

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