Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple inaccuracies, including wrong addresses, unauthorized inquiries, and falsely reported late payments. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604, 609, 611, and 623, which require accurate reporting, proper investigation of disputes, and prohibition of unauthorized access. Despite my repeated disputes, the credit bureaus and furnishers continue to report incorrect information, harming my creditworthiness, misrepresenting my financial responsibility, and limiting my access to fair credit opportunities. I request CFPB oversight to ensure these violations are corrected immediately and to hold the responsible parties accountable. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX This is a military installation address and has never been associated with me at any time. I am not in the military and never authorized this address to be placed on my credit file. Reporting this is misleading and violates FCRA 602, which requires fairness and accuracy in the collection and reporting of credit information. I have disputed this address in writing several times, and your bureau continues to reinsert or fail to remove it. FCRA 611 ( a ) ( 5 ) ( B ) prohibits the reinsertion of previously deleted information without certification from the furnisher. I am demanding immediate removal of this address and a reinvestigation that complies with the law. If you can not verify this address with a reliable, documented source, you must delete it under FCRA 611 ( a ) ( 5 ) ( A ). This inaccurate reporting is harming me by associating me with a location where I never lived. Failure to delete will be treated as willful noncompliance under FCRA 616 and 617. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX This is a duplicate version of the first incorrect address and must be permanently removed. Reporting duplicate inaccurate addresses is highly misleading and violates FCRA 607 ( b ). I have no connection to this address and no creditor should see it on my file. I have disputed this multiple times and yet it still appears, which means your bureau is failing to comply with the reinvestigation requirements under FCRA 611. You are legally obligated to perform a reasonable reinvestigation and either verify or delete disputed information within 30 days. If you can not obtain documentation from the original source confirming this address belongs to me, it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). Continuing to report it after repeated disputes demonstrates a pattern of willful neglect and violates FCRA 602s requirement for fair and accurate reporting. I demand that you correct this error and send me an updated credit report. 

ACCOUNTS XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX  High Credit : {$510.00} Date Opened : XX/XX/XXXX This account is reporting a late payment that is inaccurate and unverified. I have already disputed this item multiple times and no proper documentation has been provided. Under FCRA 611 ( a ), you must conduct a reasonable reinvestigation by contacting the furnisher and obtaining written confirmation of the alleged late payment. If such documentation can not be produced, this negative information must be permanently deleted under FCRA 611 ( a ) ( 5 ) ( A ). Continued reporting of unverifiable data is considered willful noncompliance under FCRA 616. This error is harming my credit profile by lowering my score and misleading potential lenders. The failure to maintain maximum possible accuracy under FCRA 607 ( b ) is a violation of federal law. I am demanding that you delete this late payment and send me a corrected credit report showing the results of your reinvestigation. 

XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} This account is showing a late payment that is inaccurate and harmful. Under FCRA 611, you must reinvestigate and obtain verification from XXXX XXXX with supporting documentation of the alleged late payment. If the furnisher can not provide accurate proof, you are required to delete the negative information under FCRA 611 ( a ) ( 5 ) ( A ). Reporting unverifiable late payments violates FCRA 607 ( b ) and is causing measurable harm by lowering my credit score. I have disputed this account multiple times, and your continued failure to correct it constitutes willful noncompliance under FCRA 616 and 617. I am demanding immediate correction or deletion and a new report showing the results. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and must be removed immediately. Under FCRA 604, a consumer reporting agency may only provide a credit report for a permissible purpose. You must produce my written authorization for this inquiry or delete it. Reporting an inquiry without consent lowers my credit score and violates my rights under FCRA 607 ( b ). I have disputed this before and no verification has been provided. Continued reporting without evidence is considered willful noncompliance under FCRA 616. Please delete this inquiry and send me a corrected report. 

XXXX XXXX XX/XX/XXXX This inquiry was never authorized and should not be on my report. Under FCRA 604, a hard inquiry may only be included with permissible purpose and proper consent. You must produce written proof or delete this record. I have disputed this before and your failure to remove it indicates a violation of your duties under FCRA XXXX. This item is causing me credit harm by lowering my score. If you can not verify its permissibility, delete it immediately. Continued reporting without proof constitutes negligent or willful noncompliance under FCRA 616 and 617. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and harmful. You are required under FCRA 604 and 611 to verify whether a permissible purpose existed and whether I gave consent. If you can not produce my signed authorization or documentation of the permissible purpose, you must delete it immediately. Unauthorized inquiries violate my privacy rights and lower my credit score. You must complete a reinvestigation within 30 days as required by FCRA 611 ( a ). Failure to correct this will be considered willful noncompliance under 616 and may be escalated to the CFPB and FTC for enforcement action. 

I respectfully request that the CFPB take immediate action to enforce my rights under the FCRA and ensure that all inaccurate information, including the wrong address, unauthorized inquiries, and incorrectly reported late payments, is fully corrected or removed from my credit report. These ongoing inaccuracies have caused and continue to cause significant harm to my credit profile and financial opportunities. I seek the Bureaus assistance in compelling the credit reporting agencies and furnishers to comply with federal law and maintain a complete and accurate record of my credit history.

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