Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX Address Issue : This address is not mine and has never been associated with me Law : FCRA Section 609 ( c ) ( 1 ) ( A ) & Section 602 ( A ) Inaccurate information must not be included in consumer reports Instruction : Please reinvestigate and remove this address permanently Story : I have never lived at this address nor have I authorized any creditor to use it in association with my identity. The presence of this address is misleading, possibly caused by identity confusion or a reporting error. It is harming my credit report by associating me with accounts and inquiries that are not mine XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Address Issue : This address is also incorrect and never belonged to me Law : FCRA XXXX XXXX ( a ) ( XXXX ) Consumer has a right to know and dispute any incorrect items Instruction : Please delete this address and ensure it is not reinserted unless verifiable documentation proves it Story : This address was never mine and its listing on my credit profile is false. I believe this may be linked to inaccurate account reporting or data merging. Keeping it on my file allows for the continued presence of other errors and potential fraud XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6900.00} Late Payment XXXX XXXX Issue : This account is inaccurately reporting a late payment which I dispute Law : FCRA Section 611 & 607 ( b ) Information must be accurate and verifiable Instruction : I demand a reinvestigation of this item and request a full method of verification Story : I have no recollection of any missed payments and was never notified properly of any delinquencies. This derogatory mark was added in error and is damaging my ability to secure favorable financial opportunities. The creditor has failed to provide sufficient documentation to justify this report XXXX  XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Issue : This account has been charged off and reflects inaccurately on my report Law : FCRA Section 609 ( a ) ( 1 ) and 611 Consumer has the right to dispute and receive method of verification Instruction : Investigate and provide documentation including original contract and payment history, or delete Story : This account was previously disputed and resolved. I was assured this negative mark would not be reinserted. If this charge-off has been reinserted, then this violates Section 611 ( a ) ( 5 ) ( B ) of the FCRA, and I request its immediate removal unless verified with proper documentation XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX Issue : Reporting of late payment is incorrect and not supported by accurate records Law : FCRA Section 607 ( b ) Maximum possible accuracy required for all information Instruction : Provide proof of delinquency or remove the derogatory mark Story : This account should not report any delinquencies, as all my payments were made timely or as per agreement. I believe this is a reporting error that must be corrected to avoid further impact on my creditworthiness XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry Law : FCRA Section 604 Only authorized inquiries may be reported Instruction : Please remove this inquiry unless written authorization is provided Story : This inquiry was done without my consent or involvement. It is harmful to my credit score and appears to be either fraudulent or submitted in error. I never initiated any application that would warrant this pull I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

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