Consumer complaint received 2025-10-31 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 submitting this formal complaint regarding multiple inaccurate and unauthorized items being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The following addresses, accounts, and inquiries are inaccurate and need immediate investigation and removal from my credit file. The continued reporting of these items is causing harm to my creditworthiness and is in direct violation of my consumer protection rights. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX This address is completely unrelated to me and appears to have been wrongfully linked to my credit file. Under FCRA 1681e ( b ), you are required to maintain maximum possible accuracy, and continued reporting of a false address is a direct violation. This error creates the appearance of identity confusion and must be deleted immediately. 

XXXX XXXX XXXX XXXX, CA XXXX This address has no verifiable relationship with me. Retaining inaccurate identifying information is unlawful and misrepresents my identity. Under FCRA 611 ( a ) and 607 ( b ), this address must be deleted from my credit file. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250000.00} This account is reporting multiple late payments that are factually inaccurate and unverified. I have never received proper validation or evidence confirming the legitimacy of the alleged delinquencies. Continuing to report unverifiable late payments violates FCRA 1681s-2 ( b ) and 1681i ( a ), as no certified proof of delinquency was provided. The inconsistent reporting of payment history shows data integrity failure, demanding immediate correction and deletion to maintain compliance. 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry that lacks permissible purpose under FCRA 604 ( a ) and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was never approved by me, and reporting it without consent violates my consumer rights under 604 ( a ) ( 3 ). 

XXXX XXXX XXXXXX/XX/XXXX No authorization or credit application was submitted to this entity. Maintaining this inquiry is unlawful. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry appears without any record of consent or transaction, violating FCRA 604 ( a ) ( 2 ). 

XXXXXXXX XXXX XXXX  XX/XX/XXXX This is an unauthorized inquiry and must be deleted as it lacks permissible purpose. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry placed without my consent, violating federal privacy laws and FCRAs permissible purpose requirements. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX No authorization was granted for this credit pull ; it must be deleted under FCRA 604 ( a ). 

XXXX XXXX XXXX XX/XX/XXXX Inquiry made without a credit application; continued reporting is illegal. 

XXXX XXXX XXXX XX/XX/XXXX Duplicate and unauthorized inquiry, violating FCRA 604 ( a ) ( 3 ). 

XXXX XXXX XXXX XXXXXX/XX/XXXX No authorization provided, and reporting of this inquiry is a willful violation of FCRA. 

XXXX XXXX XXXX XX/XX/XXXX Repeated inquiry without consent or any valid credit request ; it must be removed immediately.

The continued reporting of these inaccurate items and unauthorized inquiries has caused significant financial and emotional distress, reducing my credit score, damaging my credibility, and affecting my ability to obtain fair credit opportunities. I am requesting that the Consumer Financial Protection Bureau take immediate action to enforce compliance with federal consumer laws and ensure that all unverifiable, inaccurate, and unauthorized information be deleted from my credit report immediately.

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