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: NC

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, NC, XXXX Law : FCRA Section 609 ( c ) ( 2 ) and Section 611 Issue : This address is incorrectly reported on my credit file.

Story : I have never lived at or been associated with this address. Its presence is false and potentially the result of mixed or merged files. I demand a reinvestigation and removal of this inaccurate personal information in accordance with federal law. 

XXXX XXXX Pl XXXX XXXX, XXXX, NC, XXXX Law : FCRA Section 609 ( c ) ( 2 ) and Section 611 Issue : This address does not belong to me and is inaccurately listed on my credit report.

Story : I have never lived at this address and have no known association with this location. This false information may have come from identity confusion or a reporting error. 

XXXX XXXX XXXX, XXXX, NC, XXXX Law : FCRA Section 609 ( c ) ( 2 ) and Section 611 Issue : This address is incorrect and must be removed.

Story : I do not reside and have never resided at this address. Its presence on my credit report is damaging and misleading. 

XXXX XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 611, Section 602 ( a ), and Section 609 Issue : This charge-off account is inaccurate, unverifiable, and damaging to my credit.

Story : This account was previously removed and has now been reinserted without proper notice under Section 611 ( a ) ( 5 ) ( B ). This is a direct violation of FCRA reinsertion protocols. The balance shows {$0.00} and is marked as charged off, which is contradictory and unfair. Please conduct a reinvestigation and provide proof of verification or remove it permanently. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Law : FCRA Section 611 and FDCPA Section 807 Issue : This is a collection account with a {$0.00} balance and appears to be inaccurately reported.

Story : This account should not remain listed if the balance is XXXX and there is no active collection effort. Its continued presence negatively impacts my creditworthiness. Please verify the accuracy and if unverifiable, delete it from my file immediately. 

XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : I did not authorize this hard inquiry.

Story : This inquiry was made without my permission. I have not applied for any credit from this entity. Under the FCRA, only permissible purpose inquiries should be reported. 
XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : This is an unauthorized inquiry.

Story : I did not apply for credit or give consent to this company to access my report. Remove this immediately as it violates my consumer rights. 

XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : Unauthorized inquiry.

Story : This entry must be removed as I never consented to this access. 

XXXX XX/XX/XXXX Inquiry Law : FCRA XXXXection 604 Issue : Inquiry done without authorization. 
Story : No permissible purpose existed for this inquiry. Please delete this. 

XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : This inquiry is unauthorized.

Story : I demand an investigation and removal as this is an FCRA violation. 

XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : Hard inquiry without my knowledge.

Story : This pull was not consented to, and therefore must be deleted. 

XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : I dispute this inquiry.

Story : I did not initiate this and was not informed of it. Please remove it. 

XXXX XX/XX/XXXX Inquiry Law : FCRA Section 604 Issue : This inquiry was not authorized by me.

Story : I had no dealings with this entity and want this entry removed immediately. 

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