Consumer complaint received 2025-08-14 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: VA

Complaint narrative:
I am submitting this formal complaint regarding numerous inaccuracies on my credit report that are severely affecting my financial standing, creditworthiness, and ability to obtain fair credit. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681i, 1681s-2 ( b ), and other applicable federal laws. I demand immediate investigation and correction of all inaccurate information. Below I have provided details of each disputed item, the applicable law, and an explanation of the factual circumstances. 
Address Dispute XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Issue : This address is incorrectly associated with my file. I have never lived at, received mail at, or otherwise been connected to this location. 
Law : Under FCRA ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Including an address not belonging to me constitutes a violation of this standard. 
Story : The listing of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on my credit profile is entirely inaccurate. I have conducted a thorough review of my past residence records, tax filings, utility accounts, and official correspondence, and there is absolutely no connection between myself and this Virginia address. I have never applied for credit, opened accounts, or conducted business from this location. This type of false address entry can be the result of a mixed file error, where information from another consumers file has been merged with mine, or could indicate fraudulent use of my identity by another party. In either case, keeping this incorrect address on my report misrepresents my true residency history to lenders, employers, and other entities that rely on credit reports for decision-making. This false listing needs to be removed immediately to preserve the integrity of my credit file. 
Account Dispute XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$250000.00} Status : Late Payment Issue : The reported late payments on this account are false, unverified, and damaging to my credit profile. 
Law : Under FCRA ( 15 U.S.C. 1681i ), Experian must investigate disputed information and remove or correct it if it can not be verified. Additionally, furnishers of credit data are required by law to provide accurate and complete information in compliance with the Fair Credit Billing Act and the Equal Credit Opportunity Act. 
Story : The late payment reporting on this XXXX XXXX XXXX account is entirely inaccurate. My personal banking records, monthly statements, and payment confirmations show that I have made all payments in full and on time for the entire duration of the loan. At no time have I received notices of missed or overdue payments from XXXX XXXX XXXX. This raises concerns that the late payment status was caused by internal posting errors, misapplication of payments, or confusion with another borrowers account. Such an error has caused significant harm to my credit score, impacting my ability to obtain favorable loan terms and even resulting in the rejection of a recent credit application. This false entry is a direct misrepresentation of my creditworthiness and financial responsibility. I am demanding that Experian verify the payment history with full supporting documentation from the original creditor or otherwise remove the inaccurate late payment record from my file immediately. 
Inquiry Disputes XXXX XXXX XX/XX/XXXX Issue : This inquiry appears without my authorization or consent, which violates my privacy rights and adversely affects my credit profile. 
Law : The FCRA ( 15 U.S.C. 1681b ) strictly limits the circumstances under which a credit reporting agency may furnish a consumer report. A permissible purpose must exist before an inquiry can be placed on my file. Without my consent or a legitimate application, this inquiry is unlawful and must be removed. 
Story : I never applied for any credit product, loan, or service with XXXX on or around XX/XX/XXXX. I have carefully reviewed my application records and communication history, and there is no trace of a request for credit that could have triggered this inquiry. The presence of this inquiry suggests a possible error, a clerical mix-up, or unauthorized access to my personal credit file. This not only undermines my confidence in the security of my personal data but also harms my credit score, as hard inquiries can be interpreted as increased credit-seeking activity. I request immediate deletion of this inquiry from my Experian report. 
XXXX XXXX XX/XX/XXXX Issue : This is another unauthorized inquiry from the same entity that I did not initiate or approve. 
Law : As with the prior XXXX inquiry, this entry violates FCRA 1681b, which requires a valid permissible purpose for obtaining a consumer credit report. 
Story : On or around XX/XX/XXXX, XXXX accessed my credit file without any application, consent, or interaction from me. This is highly concerning, as it may indicate repeated attempts to view my credit history without lawful reason. Such actions erode my trust in the credit reporting process and create unnecessary negative impressions to potential lenders. This inquiry was neither related to any application I made nor backed by my written or verbal authorization. I am requesting its removal immediately to ensure my credit file remains accurate and secure. 
I request that all inaccuracies, including false addresses, late payments, charge-offs, collections, and unauthorized inquiries, be immediately investigated, corrected, or removed as mandated by federal law. I further request written confirmation once corrections are made, along with an updated copy of my corrected credit report.

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