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. 
DISPUTED ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LAW ISSUE : Reporting an address that does not belong to me violates FCRA 15 U.S.C. 1681e ( b ) which requires maximum possible accuracy in consumer reports STORY : I have never lived at this address nor have I been associated with it in any way the reporting of this inaccurate address could indicate a serious reporting error or identity confusion I request it be deleted following your investigation DISPUTED ACCOUNT XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late Payment * * LAW ISSUE : FCRA 1681s-2 ( b ) requires furnishers to report accurate and verifiable information late payments that are incorrect or unverifiable must be removed STORY : I dispute the reported late payment on this account no proper validation of the delinquency has been provided this error is affecting my credit score and financial standing I request full reinvestigation and deletion if not 100 % accurate and verifiable UNAUTHORIZED INQUIRY XXXX XXXX XXXX Date : XX/XX/XXXX LAW ISSUE : FCRA 1681b requires consumer consent for any hard inquiry unauthorized pulls are illegal and damaging STORY : I never applied for credit or gave consent to this company to access my credit this is unauthorized and must be removed UNAUTHORIZED INQUIRY XXXX XXXXXXXX XXXX : XX/XX/XXXX LAW ISSUE : Per FCRA 1681XXXX hard inquiries must be initiated by the consumer any inquiry made without permission must be deleted STORY : I did not authorize or initiate any transaction with this company this inquiry is harmful and was done without my knowledge or approval please remove it UNAUTHORIZED INQUIRY XXXX XXXX Date : XX/XX/XXXX LAW XXXX : FCRA requires consumer consent under 1681b for any credit report access unauthorized inquiries are a breach of privacy and federal law STORY : I never consented to any credit inquiry from this institution this is a direct violation of my rights and I request removal UNAUTHORIZED INQUIRY XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX FCRA 1681b prohibits pulling credit reports without a permissible purpose or the consumers consent STORY : I was not involved in any credit application with XXXX XXXX and did not authorize this hard XXXX this inquiry is inaccurate and should be deleted UNAUTHORIZED INQUIRY XXXX AUTO Date : XX/XX/XXXX LAW ISSUE : Under the FCRA only authorized inquiries tied to consumer-initiated transactions are valid anything else is unlawful STORY : I did not apply for credit with XXXXXXXX XXXX  and did not grant permission for this inquiry please investigate and delete UNAUTHORIZED INQUIRY POWER XXXX XXXX Date : XX/XX/XXXX LAW ISSUE : FCRA 1681b limits inquiries to those with a permissible purpose this inquiry lacks my consent and is invalid STORY : I never had dealings with this dealership or initiated any transaction allowing them to access my report this is unauthorized UNAUTHORIZED INQUIRY XXXX XXXX XXXX Date : XX/XX/XXXX LAW ISSUE : FCRA strictly prohibits unauthorized access to consumer credit files under 1681b STORY : I did not authorize or initiate this inquiry and have no relationship with the listed company this entry must be removed UNAUTHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX LAW ISSUE : Unauthorized inquiries violate the FCRA when performed without direct consent or consumer initiation STORY : I did not apply for any service or transaction through this entity no permission was granted and I request this be deleted UNAUTHORIZED INQUIRY CONSUMER PORTFOLIO SERVICES Date : XX/XX/XXXX LAW ISSUE : Under the FCRA 1681b this inquiry lacks permissible purpose and authorization from me the consumer STORY : This is an unauthorized credit pull I had no interaction with this company and request its removal from my file UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX Date : XX/XX/XXXX LAW ISSUE : FCRA 1681b mandates written consent or a direct application from the consumer which is not present in this case STORY : I never granted XXXX XXXX XXXX permission to access my report this hard inquiry is not tied to any request I made and 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