Consumer complaint received 2025-10-01 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 under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. regarding multiple inaccuracies, unauthorized inquiries, and wrongful account reporting on my credit report. These discrepancies have caused significant distress, potential financial harm, and have adversely affected my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address I have never resided at or had any connection with this property. Its inclusion on my credit report is entirely erroneous and misleading. This wrong address creates confusion with lenders and may lead to identity misrepresentation. It also exposes me to potential fraud risks or legal complications should any debt collection or law enforcement inquiries target this incorrect address. I request immediate deletion or correction of this address to ensure my credit history accurately reflects my true residential information. 
XXXX XXXX Late Payment, High Balance : {$12000.00}, Date Opened : XX/XX/XXXX This account is incorrectly reported as having late payments. I have a flawless payment history, supported by bank statements and transaction records. Reporting false delinquencies is extremely damaging, as lenders reviewing my credit report may perceive me as unreliable, potentially denying loans or increasing interest rates. This error not only impacts my financial stability but also affects my reputation with financial institutions. I demand correction of this payment history to reflect my timely payments. 
XXXX XXXX Late Payment, High Balance : {$8500.00}, Date Opened : XX/XX/XXXX Similar to the previous account, this is falsely reported as late. I have never missed a payment, and I have documentation proving this. The incorrect reporting creates unnecessary stress, delays in financial planning, and potential denial of credit opportunities. It is imperative that this account be corrected immediately to reflect accurate information and restore my financial credibility. 
XXXX XXXX XXXX XXXX XXXX Late Payment, High Balance : {$1600.00}, Date Opened : XX/XX/XXXX This account has been wrongfully marked with late payments despite my consistent and timely payments. Such misreporting creates false narratives about my financial responsibility. Incorrect late payment reporting can have lasting impacts on my ability to secure housing, loans, or favorable credit terms. I request thorough verification and immediate correction of this account to accurately reflect my payment history. 
XXXX XXXX Inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Several inquiries listed on my report were made without my explicit authorization or have been inaccurately applied. Unauthorized inquiries lower my credit score and misrepresent my financial activity. Each inquiry must be individually verified, and those without proper documentation or consent must be deleted. These unauthorized inquiries have caused me anxiety and may have adversely affected my ability to obtain credit on fair terms. 
I have attached supporting documentation, including proof of residence, bank statements, and prior communications with the creditors listed above. I request CFPB to investigate these discrepancies promptly, enforce the correction of my credit report, and ensure my rights under FCRA and FDCPA are fully upheld. 
Failure to correct these errors promptly may lead to further legal action and claims for damages under 15 U.S.C. 1681n and 1681o.

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