Consumer complaint received 2025-10-06 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 submitting this complaint regarding multiple inaccurate, unverified, and misleading items that continue to be reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These inaccuracies are severely damaging my creditworthiness and are causing undue harm. Despite my attempts to resolve these issues with the credit reporting agencies and furnishers, they remain uncorrected.

Below are the accounts and entries that are disputed as erroneous, unverified, and/or reported in violation of FCRA : Wrong Address Reporting XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX This is not my current or correct address. Reporting an inaccurate address constitutes misleading personal information and must be removed immediately. 

Accounts with Inaccurate or Unverified Late Payments XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$15000.00} Late Payments reported inaccurately. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$3500.00} Late Payments reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$13000.00} Late Payments reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX Open Dates : XX/XX/XXXX & XX/XX/XXXX High Credit : {$0.00} Duplicate reporting and inaccurate Late Payments. 

XXXX  XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$0.00} Late Payments reported inaccurately. 

Accounts Reported as Charge-Offs Without Proper Validation XXXX XXXX XXXX XXXX Date : XX/XX/XXXX High Credit : {$0.00} Improper Charge Off reporting. 

XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$300.00} Improper Charge Off reporting. 

XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$1100.00} Improper Charge Off reporting. 

Inquiries Reported Without Proper Consumer Authorization XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Duplicate inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my express consent. Under FCRA 604 ( a ) ( 2 ), a permissible purpose must exist for such pulls, which has not been established. They are unauthorized and should be removed.

Legal Basis for Complaint The continued reporting of these items violates : FCRA 607 ( b ) Failure to maintain maximum possible accuracy.

FCRA 611 Failure to conduct proper reinvestigation of disputed information.

FCRA 604 Reporting inquiries without a permissible purpose.

FCRA 623 Furnishers reporting information without proper validation or verification.

Relief Requested I respectfully request the CFPB to : Investigate and compel the credit reporting agencies and furnishers to provide verified documentation proving the accuracy of each item. 

Delete all unverified, inaccurate, and unauthorized information, including wrong addresses, late payments, charge-offs, and unauthorized inquiries. 

Ensure that the credit bureaus comply with their statutory duty under FCRA to report only complete and accurate information. 

Conclusion These reporting violations are causing severe harm to my financial standing, credit access, and overall consumer rights. I urge the CFPB to take immediate action to ensure compliance with the FCRA and to protect me from further unlawful reporting.

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