Consumer complaint received 2025-07-21 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 filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address This address is incorrectly reporting on my credit file. I have never resided at or been associated with this location. 
Law Violation : FCRA 602 ( A ), 607 ( B ) You are required to maintain accuracy and completeness in consumer files. 
Story : Reporting this address harms my credit profile, affects my lending opportunities, and violates my right to an accurate credit report. I demand immediate deletion of this address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address This address is falsely listed in my report. I have no connection to this property and never used it for any financial or identification purposes. 
Law Violation : FCRA 602 ( A ), 607 ( B ) Credit bureaus must ensure consumer data is accurate and not misleading. 
XXXX : This misreported address creates confusion and potential identity risks. Please delete this entry from my credit profile. 

XXXX XXXX  Account # : XXXX Late Payment * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account is inaccurately showing late payments despite being paid in full. 
Law Violation : FCRA 607 ( B ), 611 Data furnishers must report accurate and complete information. 
Story : I fulfilled my obligation and paid this account timely. These late marks are damaging my score unfairly. I request correction or removal. 

XXXX PROS XXXX XXXX XXXX Date : XX/XX/XXXX No credit application was submitted by me to this dealership. 
Law Violation : FCRA 604, 607 Credit bureaus must verify the legitimacy of access to credit files. 
XXXX : This inquiry negatively impacted my score and was made without my knowledge. Remove it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX This inquiry is unauthorized and unrelated to any transaction I engaged in. 
Law Violation : FCRA 604 ( a ) ( 3 ), 611 Unauthorized access must be removed upon dispute. 
Story : I never dealt with this business and therefore dispute this inquirys legitimacy. 

XXXX XXXX AUTO FIN Inquiry Date : XX/XX/XXXX No application was submitted by me on this date. 
Law Violation : FCRA 604 ( a ) ( 3 ), 607 No permissible purpose exists for this inquiry. 
XXXX : This inquiry was not approved by me and must be deleted from my record. 

CONSUMER PORTFOLIO SVC Inquiry Date : XX/XX/XXXX I did not authorize this inquiry nor applied for credit. 
Law Violation : FCRA XXXX, XXXX XXXX file access without permission violates the FCRA. 
XXXX : This has caused me harm and was done without consent. Remove it immediately. 

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX This company pulled my credit without authorization. 
Law Violation : FCRA XXXX ( a ) ( XXXX ), XXXX Unauthorized inquiries must be removed. 
Story : I did not initiate any transaction that would justify this inquiry. Please delete it. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is fraudulent and unauthorized. 
Law Violation : FCRA XXXX ( a ), XXXX XXXX inquiry must have legal cause. 
Story : I had no dealings with XXXX. Remove the inquiry immediately. 

ALLY FINANCIAL C/O GMA Inquiry Date : XX/XX/XXXX Ally Financial was not given permission to pull my credit. 
Law Violation : FCRA XXXX ( a ) ( XXXX ), XXXX Unpermitted inquiry is a violation. 
XXXX : This has dropped my score and is damaging. It must be deleted. 

GLOBAL LENDING SERVICE Inquiry Date : XX/XX/XXXX This is not an authorized or known inquiry. 
Law Violation : FCRA XXXX, XXXX Inquiries must have the consumers consent. 
Story : I never granted permission and request its removal now. 

XXXX XXXX XXXX Date : XX/XX/XXXX This company accessed my credit file without authorization. 
Law Violation : FCRA XXXX, XXXX Credit file misuse must be corrected. 
Story : I dispute this inquiry and ask for immediate deletion. 

NOWCOM/WESTLAKE FINANC XXXX Date : XX/XX/XXXX I never authorized this inquiry nor submitted any related credit application. 
Law Violation : FCRA XXXX ( a ) ( XXXX ), XXXX Credit bureaus must ensure all inquiries are consumer-initiated. 
XXXX : This is a harmful and unauthorized inquiry. Please remove it. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not give permission for this inquiry. 
Law Violation : FCRA XXXX, XXXX Any unauthorized access must be corrected. 
XXXX : This was an invalid inquiry and must be eliminated from my file. 

XXXX XXXX XXXX Date : XX/XX/XXXX This is not a legitimate inquiry initiated by me.

Law Violation : FCRA 604 ( a ), 607 Improper access to credit file.

Story : I request this hard pull to be removed as it violates my rights under FCRA. 

I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

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