Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( Experian, Equifax, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX LAW : FCRA Section 602 ( A ), 604, 609 ( c ), and 611 ISSUE : This address is not associated with me and was reported in error. I have never resided at or used this location for any credit or legal purpose.

STORY : I am formally requesting that you immediately delete this inaccurate address from my credit report. Continuing to report false information violates my rights under the FCRA and can be construed as willful noncompliance. I demand a reinvestigation and written results. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX LAW : FCRA Section 602 ( A ), 604, 609 ( c ), and 611 ISSUE : I have no connection to this address and it was never used for any application or residency purpose. 
STORY : This address does not belong to me and its continued presence on my credit profile constitutes misinformation. I demand that this incorrect data be deleted immediately and a full reinvestigation be completed. Provide proof of any permissible purpose for reporting this address if you continue to maintain it. 

ACCOUNT XXXX XXXX XXXX CO XXXX * HIGH BALANCE : {$9100.00} DATE OPENED : XX/XX/XXXX * * LAW : FCRA Section 611, 609 ( a ), 602 ( b ), and 623 ( a ) ( 1 ) ( A ) ISSUE : This account is reporting as a charge-off, but it is inaccurate and unverifiable. The balance and status are in dispute. 
STORY : I am requesting a second-round reinvestigation of this tradeline. The first round did not provide any supporting documentation or signed agreement confirming the validity of this account or charge-off status. I never authorized this reporting and demand validation. If you can not provide a complete method of verification, this account must be deleted immediately under the FCRA. 

INQUIRY XXXX XXXX XX/XX/XXXX LAW : FCRA Section 604 ( a ) ( 3 ), Section 607 ISSUE : This hard inquiry was made without my authorization or a permissible purpose under the FCRA.

STORY : I did not authorize this inquiry with Speedy Cash, nor was I seeking credit from them. Reporting unauthorized inquiries violates my privacy and rights. I request that this inquiry be permanently removed from my credit file and confirmation sent to me. 

INQUIRY XXXX XXXX XX/XX/XXXX LAW : FCRA Section 604 ( a ) ( 3 ), Section 607 ISSUE : This inquiry was made without proper authorization and is not connected to any credit application I initiated. 
STORY : This inquiry is completely unauthorized and must be removed. I never gave consent nor did I have any dealings with XXXX XXXX on or around this date. Please delete this immediately and send confirmation of its removal. 

The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my 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