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: CA

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  High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment Law & Issue : Under FCRA 15 USC 1681i , furnishers of information must maintain accurate and complete records. This account shows late payment, which is inaccurate as I have never missed any contractual payment with this creditor. 
Story : I have always paid my XXXX account in full and on time. This alleged delinquency is damaging my credit profile and does not reflect my actual payment history. I demand immediate reinvestigation and correction of this false information. 
XXXX XXXX High Balance : {$8000.00} Date Opened : XX/XX/XXXX Late Payment Law & Issue : FCRA XXXX XXXX mandates consumer reports to be fair and accurate. Reporting a late payment when there has been none is a direct violation. 
XXXX : This account never reflected any late payments during its active status. I challenge the accuracy of this data and request proper validation, along with deletion or correction if validation fails. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$61000.00} Date Opened : XX/XX/XXXX Late Payment Law & Issue : FCRA XXXX XXXX requires all information reported to be verifiable and accurate. This account is listed with a late payment I never made. 
Story : I have maintained consistent payment history on this auto loan. The late payment report is either a clerical error or misinformation. Please investigate and delete the inaccurate reporting. 
XXXX XX/XX/XXXX XXXX XXXX & XXXX : FCRA XXXX ( a ) ( XXXX ) restricts inquiries to instances where the consumer has initiated or approved the transaction. 
Story : I have no existing or requested credit relationship with XXXX at this time. This inquiry was not authorized and therefore should be removed for compliance and fair reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law & Issue : Per FCRA XXXX XXXX ( a ), inquiries require a permissible purpose initiated by the consumer. 
Story : I did not apply for any XXXX credit product on or around this date. This unauthorized inquiry was made without my knowledge or consent, and I request its immediate deletion. 
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