Consumer complaint received 2025-07-23 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Address Issue : This address is inaccurately reported on my credit file and is not affiliated with me in any verifiable manner Law & Instruction : Under the Fair Credit Reporting Act ( FCRA ) Section 602A and 609 ( c ) ( 1 ) ( A ), I have the right to privacy and accuracy in my consumer report. You are instructed to verify the source of this address and remove it if unverifiable Story : I have never resided at or been associated with this location. Its appearance on my credit file is misleading and violates my rights as a consumer. The continued reporting of this address damages my credibility and may affect decisions made by creditors XXXX XXXX XXXX XXXX XXXX XXXX Address Issue : This address is being falsely linked to my credit file without my authorization or any valid connection Law & Instruction : In accordance with FCRA Sections 604 and 611, this information must be investigated, and if found unverifiable, it must be permanently deleted from my report Story : I have no history of living at this address. This error may be a result of file merging or mixed files. This inaccurate reporting misrepresents my identity and causes undue harm to my creditworthiness XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Charge-Off Issue : This charge-off is reported with a {$0.00} balance, suggesting settlement or closure, yet the derogatory status remains Law & Instruction : Under FCRA 607 ( B ) and 611, the bureau must ensure maximum possible accuracy and remove outdated or misleading items Story : This account was resolved and holds no balance, yet it is still marked negatively as a charge-off. This misrepresentation is unfair and causes unnecessary harm to my credit profile. It misleads lenders about my financial responsibility XXXX  Account # : XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Late Payment Issue : This account reports a late payment although the balance is {$0.00} and the account appears to be closed Law & Instruction : Pursuant to FCRA 611 and 609 ( a ) ( 1 ), please conduct a reinvestigation and provide verification of the late payment entry. If not verifiable, delete it Story : I dispute the accuracy of the late payment notation. The account was closed with no due balance, and any late payment record is incorrect. This erroneous reporting negatively impacts my payment history unfairly XXXX XXXX  Inquiry Date : XX/XX/XXXX Hard Inquiry Issue : This inquiry was made without my consent or initiation Law & Instruction : According to FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only permit inquiries with a permissible purpose and consumer consent. Please investigate and remove Story : I did not apply for any credit product or authorize this organization to review my credit. This unauthorized access infringes upon my privacy and may result from identity misuse XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry Issue : No credit application was made by me with this entity on or around the inquiry date Law & Instruction : FCRA 604 and 609 ( a ) ( 1 ) entitle me to know who accessed my report and for what reason. If the inquiry can not be verified with my consent, it must be deleted Story : This hard pull was unauthorized and has impacted my credit score without any valid credit request from me. It constitutes a violation of my rights under federal law XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry Issue : This is an unapproved inquiry with no associated application from my end Law & Instruction : As per FCRA 604 and 615, this inquiry must be validated or removed upon dispute if it lacks permissible purpose Story : I never applied for any XXXX XXXX credit product around this date. This inquiry is suspicious and must be addressed immediately to prevent further harm or potential fraud I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

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