Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. 
XXXX XXXX XXXX XXXX, NV XXXX Law/Issue : FCRA 607 ( b ) requires data accuracy. I have never lived or received mail at this address, making this report incorrect.

Story : This address does not belong to me and its presence suggests identity confusion or mixed file. It misrepresents my residence history and impacts account matching and verification. 

XXXX XXXX XXXX XXXX, NV XXXX Law/Issue : Inclusion of outdated or unrelated mailing address is a violation under FCRA 607 ( b ). 
Story : I have never used this XXXX XXXX . It may belong to a third party and its presence may be linked to inaccurate account reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} * * Law/Issue : Late payment is being reported inaccurately. Under FCRA 611, information must be verifiable.

Story : I was not late ; I made payments on time, and this reporting is an error affecting my credit score. I request validation or deletion. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} * * Law/Issue : The late payment conflicts with actual payment history ; violates FCRA 607 ( b ).

Story : I fulfilled all obligations as agreed. Please investigate the source and timing of this misreporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120.00} * * Law/Issue : FCRA 611 permits dispute of any unverifiable negative item.

Story : This payment was never late ; the delinquency is being incorrectly reported and negatively affects my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law/Issue : Late payment report on a XXXXbalance account raises questions under FCRA 611.

Story : How can a late payment be reported when the balance is XXXX? This is either outdated or false and needs removal. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} * * Law/Issue : Any late payment must be proven with clear records per FCRA 611 ( a ) ( 1 ) ( A ).

Story : I was never notified of a delinquency nor was I late. The credit bureau must confirm its validity or delete the item. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law/Issue : Account showing XXXX balance yet reported with late history breaches accuracy rules under 607 ( b ).

Story : This is inaccurate and should be marked Paid as agreed or removed. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law/Issue : Chargeoff on XXXX balance contradicts logical and factual accuracy under FCRA. 
Story : This account was paid off or settled. Reporting it as a chargeoff is abusive and misleading. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law/Issue : Violates FCRA 607 ( b ). You can not report a chargeoff with {$0.00} due.

Story : This appears to be duplicate or false data. Needs immediate removal or validation. 

XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 604 ( a ) ( 3 ) restricts access without permissible purpose.

Story : I did not authorize this pull and have no existing or pending transaction with this entity. 

XXXX XXXX XX/XX/XXXX Law/Issue : Lack of permissible purpose makes this inquiry unauthorized under FCRA 604 .

Story : I did not apply for credit with this company. It should be removed as an illegal inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : Must have documented consent to inquire under FCRA 604 .

Story : I never submitted any application authorizing this inquiry. It must be removed. 

XXXX XXXX XXXX XX/XX/XXXX Law/Issue : Inquiry is unauthorized and unlawful under 604. 
Story : I had no interactions with XXXX on this date and did not permit a pull. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : No permissible purpose under FCRA 604 . 
Story : This inquiry was made without my authorization and should be removed. 

XXXX XXXX XXXX  Law/Issue : Hard inquiries without written consent violate consumer protections under FCRA. 
Story : I did not authorize this check and its negatively affecting my credit. 

XXXX XXXX XXXXXX/XX/XXXX Law/Issue : FCRA prohibits unconsented access to credit data.

Story : I never initiated or consented to this inquiry. This is illegal and must be deleted. 

XXXX XXXX XX/XX/XXXX Law/Issue : Inquiry invalid under FCRA without application or authorization.

Story : No permission was granted to XXXX XXXX. Please remove it immediately. 

XXXX XX/XX/XXXX Law/Issue : Unlawful inquiry without permissible purpose. 
Story : I did not engage with XXXX nor did I apply for credit. 

XXXX XXXX XX/XX/XXXX Law/Issue : Violates FCRA by lacking consumer consent. 
Story : I did not request any service from this entity. The inquiry is illegitimate. 

XXXX XXXX XXXXXX/XX/XXXX Law/Issue : Unpermitted inquiry under FCRA 604.

Story : No transaction or relationship exists. This inquiry must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX Law/Issue : Same as prior Santander entryunpermitted pull. 
Story : Duplicate inquiry without approval. Damaging and unlawful. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : Duplicate inquiry lacking authorization under FCRA. 
Story : No consent was given. This second inquiry further harms my file. 

XXXX XXXX XX/XX/XXXX Law/Issue : Inquiry made without permissible purpose. 
Story : I did not authorize any check from XXXX. Please remove. 

XXXX XXXX XX/XX/XXXX Law/Issue : No credit application initiated. 
Story : I do not know why this company checked my credit. I demand deletion. 

XXXX XXXX XXXXXX/XX/XXXX Law/Issue : Inquiry is not legally supported. 
Story : I am not a customer of XXXX and never gave consent. 

XXXX XXXX XX/XX/XXXX Law/Issue : Repeated inquiry without authorization. 
Story : This duplicate inquiry is illegal and unapproved. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : Violates permissible purpose clause. 
Story : No relationship existed with this dealership. Unauthorized inquiry. 

XXXX XXXX XXXX XX/XX/XXXX Law/Issue : Accessed my report without legal basis. 
Story : I never signed anything with XXXX. This inquiry is illegal. 

These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.

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