Consumer complaint received 2025-10-23 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 complaint to request a full investigation into several inaccurate and unauthorized items appearing on my credit report. These inaccuracies are severely damaging my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have previously disputed these items with the credit reporting agencies, yet they remain unverifiable and uncorrected. I am seeking immediate deletion or correction of these items and enforcement of my consumer rights under federal law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is inaccurate and has no valid connection with me. I have never resided or received mail at this location. Keeping this information on my file misrepresents my true address history and violates FCRA 602 ( A ) and 609 ( a ), which require fair and accurate reporting of consumer identifying information. I demand this address be removed immediately as it affects the accuracy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is also reported inaccurately. I have no residential or financial connection to this location, and its appearance on my credit report is misleading and damaging. Under FCRA 611 ( a ) ( 1 ) ( A ), the bureau must verify all identifying data. Since this address can not be verified with legitimate records, it should be permanently removed. 

Account : XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX  Balance : {$820.00} Date Opened : XX/XX/XXXX Charge Off * * This charge-off is falsely reported and conflicts with accurate account records. XXXX XXXX  has failed to provide validation proving that this account belongs to me or that the charge-off status is legitimate. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Continuing to report unverifiable or incomplete data constitutes willful noncompliance. I request that this account be deleted immediately unless the furnisher provides documented evidence proving accuracy and ownership. 

XXXX XXXX XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Balance : {$930.00} Date Opened : XX/XX/XXXX Collection * * This is a duplicate entry of the previously disputed XXXX  account. Duplicate reporting of the same debt by different names violates FCRA 602 ( A ) and creates an inflated debt profile, misleading lenders and damaging my credit score. This duplicate must be deleted immediately for violating fair and accurate reporting standards. 

Inquiry : XXXX XX/XX/XXXX I did not apply for any product or service that would justify this inquiry. The appearance of this unauthorized inquiry violates my privacy rights under FCRA 604 and is evidence of either clerical error or identity misuse. Immediate removal is required. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was conducted without permissible purpose or consent. Under FCRA 604 ( a ) ( 3 ) ( A ), an inquiry must have a lawful credit-related reason, which this one lacks. Since I never authorized XXXX XXXX to pull my report on that date, this inquiry must be deleted immediately. 

I respectfully request that the Consumer Financial Protection Bureau investigate these matters immediately, require the credit bureaus and data furnishers to provide full documentation proving verification of each item, and ensure deletion of any unverified, inaccurate, or unauthorized data. These errors are damaging my financial reputation and have caused significant harm, and I am demanding compliance with the FCRA to restore accuracy and fairness in my credit reporting.

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