Consumer complaint received 2025-07-24 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 XXXXXXXX Address Law/Issue : FCRA 602 A ( 1 ) prohibits inaccurate personal data from being reported without verification Instruction : Delete this address permanently from my credit file Story : I have never lived at or used this address in any capacity. Its appearance on my credit report is alarming and may have contributed to the denial of a recent loan application. This is either a data entry error or linked to someone else 's profile and must be removed to preserve the integrity of my credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law/Issue : FCRA 607 ( b ) requires reasonable procedures to assure maximum possible accuracy Instruction : Remove this address and confirm it is not linked to any open or closed accounts Story : This Indiana address is completely unrelated to me and my history. I have never resided in that state. Its inclusion creates confusion and potentially links my file to someone else, which could result in serious errors in automated credit decisions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address Law/Issue : FCRA 605B allows the removal of information resulting from error or identity theft Instruction : Eliminate this address and any related negative items Story : I have no affiliation with this address, nor have I ever used it on any official documents or applications. This address may have been wrongly added during a credit application or through creditor error, and it is unjustly impacting my profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$14.00} Late Payment * * Law/Issue : FCRA 611 and 607 ( b ) require accuracy and proper reinvestigation of disputed accounts Instruction : Remove the late payment and update my payment history Story : This account has always been paid on time. I reviewed my banking history and confirmed all payments were made before the due dates. This false late payment is damaging my payment history and credit score over a mere {$14.00} and must be corrected immediately XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA 611 mandates a timely reinvestigation of disputed information Instruction : Delete or correct the late payment status Story : This account was opened and paid off responsibly, with no missed payments. I never received any notice of delinquency and have email confirmations of my on-time payments. This error is likely due to reporting lag or system glitch and must be addressed to avoid future denials XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA 607 ( b ) demands accurate reporting and consumer protection Instruction : Remove the inaccurate late payment or provide evidence of its validity Story : This account was part of a self-credit builder program that I paid according to schedule. Any missed payment listed here is false. This mistake misrepresents my financial discipline and jeopardizes opportunities to secure favorable credit terms XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$31000.00} Late Payment * * Law/Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits reporting information known to be inaccurate Instruction : Remove this late payment from the report and update the account accurately Story : I was on an approved deferment program at the time of the supposed missed payment and confirmed with the lender that no delinquency occurred. This negative mark is unjust, misleading, and potentially discriminatory in credit modeling systems XXXX XXXX XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA 604 requires permissible purpose for hard inquiries Instruction : Delete this item from my report Story : This is a duplicate inquiry that I never approved. These redundant pulls appear suspicious and are improperly lowering my score XXXX XXXX XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA 604 prohibits access without consumer consent Instruction : Remove immediately unless authorized use can be proven Story : I have no account or interaction with this entity. This inquiry is unauthorized and appears to be associated with identity compromise XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law/Issue : FCRA 604 ( a ) ( 3 ) ( A ) requires that credit inquiries be based on consumer consent Instruction : Remove this inquiry from all versions of my report Story : This inquiry is highly suspicious, and I believe it may have occurred due to a misused preapproval or clerical error. I never gave permission for this date-specific pull 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