Consumer complaint received 2025-08-16 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: FL

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, FL XXXX Law Issue : FCRA Section 609 ( a ) requires consumer reporting agencies to provide only accurate, verifiable, and complete information. This address does not belong to me and reporting it constitutes a violation of FCRA Section 607 ( b ) which mandates maximum possible accuracy Story : I have never lived at this address nor authorized it to be linked to my personal credit file. Including this address creates confusion and connects me to data that is not mine Instruction : Delete this address immediately as it is unverifiable and inaccurate Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Law Issue : FCRA Section 611 ( a ) gives me the right to dispute and have unverifiable information removed. Keeping this address on file when it does not belong to me violates accuracy requirements Story : I have no connection to this address, never lived here, and no account of mine is tied to it. It is causing my report to reflect misleading information Instruction : Delete this address immediately as it is not mine and can not be verified Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Law Issue : FCRA Section 604 and Section 607 ( b ) require accuracy and verifiable data. This address does not match my true residence history and therefore is inaccurately reported Story : I have never resided at this address and it is a mistake to include it in my credit profile. Leaving it in my file compromises my consumer report integrity Instruction : Delete this address immediately for failing to meet FCRA standards of accuracy and verifiability Account : XXXX  XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment Law Issue : Reporting a late payment on an account with a {$0.00} balance is misleading and violates FCRA Section 607 ( b ) which requires maximum possible accuracy, and Section 609 ( a ) which requires complete and verifiable reporting Story : This account shows a balance of {$0.00}, yet is marked with a late payment, which is contradictory and impossible. A {$0.00} balance account can not legally or factually be delinquent. This inaccurate data is harming my creditworthiness Instruction : Delete this late payment entry or the entire account if it can not be corrected, as it is unverifiable and inaccurate Inquiry : XXXX XX/XX/year> Law Issue : FCRA Section 604 ( a ) ( 3 ) requires permissible purpose for an inquiry. This inquiry was made without my authorization or a valid business need, violating my consumer rights Story : I did not apply for or authorize any credit application with XXXX on this date. This is an unauthorized hard inquiry negatively impacting my score Instruction : Delete this inquiry immediately as it is unauthorized and unverifiable Inquiry : XXXX XXXX  XXXX XX/XX/year> Law Issue : FCRA Section 604 and Section 611 provide me the right to challenge and remove unauthorized inquiries. This inquiry lacks permissible purpose and violates my rights Story : I never gave XXXX  XXXX XXXX permission to access my credit file on this date, nor did I initiate any credit application with them. This is unauthorized and damaging Instruction : Delete this inquiry immediately as it is not verifiable and not permissible 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