Consumer complaint received 2025-07-18 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:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address Law Issue : Reporting inaccurate or unverifiable addresses violates FCRA Section 602A and 607 ( b ) Story : I have never lived at this address and do not recognize any association with it this is an error and must be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Law Issue : FCRA Section 611 and 607 ( b ) require accuracy and timely reinvestigation of disputes Story : This late payment is inaccurately reported as I made timely payments and never received a delinquency notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Law Issue : FCRA Section 611 mandates deletion of unverifiable or inaccurate items Story : The late payment is not valid and I was never notified of any delinquency from this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law Issue : Under FCRA Section 605 ( b ) negative info must be verified and accurate Story : I dispute this record as I have no documentation showing I was ever late on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff * * Law Issue : FCRA Section 611 and FDCPA 15 USC 1692e ( 8 ) prohibit reporting unverified or false credit information Story : I was not properly notified about this charge-off and dispute its accuracy and existence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law Issue : FCRA Section 609 ( a ) gives the right to request verification details Story : I dispute this payment history as I never received a past due notice and made payments as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law Issue : FCRA Section 611 requires unverifiable items to be removed within 30 days Story : This newly opened account is incorrectly marked late without cause or documentation XXXX XXXX XXXX Chargeoff * * Law Issue : FCRA Section 611 and FDCPA 15 USC 1692g entitle me to validation Story : This charge-off is being reported without evidence or creditor communication and should be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) Late Payment * * Law Issue : FCRA Section 611 and 623 ( a ) ( 1 ) ( A ) require accurate furnishing of loan data Story : I was in forbearance and no payment was due hence the late status is incorrect and harmful XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Late Payment * * Law Issue : Reporting late payments during deferment violates FCRA Section 611 Story : I was granted forbearance on this loan and the late payment should not have been reported XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Late Payment * * Law Issue : FCRA Section 623 prohibits misleading or inaccurate loan status reporting Story : This loan was part of a hardship program which nullified payments during that period making the late report inaccurate XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA Section 604 allows inquiries only with permissible purpose and consent Story : I did not authorize or apply for any product on this date and request immediate removal of this inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA Section 604 prohibits unauthorized access to consumer reports Story : This inquiry was made without my knowledge or application and I never consented to it XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : Inquiries without consumer initiation violate FCRA Section 604 Story : I did not initiate or authorize any credit request on this date and demand removal XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : FCRA Section 604 mandates valid and documentable permissible purpose Story : This inquiry was unauthorized and no application or consent was given by me to this lender XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law Issue : Unpermitted inquiries are a violation of consumer privacy rights under FCRA Story : I had no engagement with this creditor on this date and the inquiry must be deleted In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

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