Consumer complaint received 2025-10-28 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:
To Whom It May Concern, I am submitting this complaint because my credit report contains serious inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting of the following address, accounts, and inquiry has caused harm to my credit profile and overall financial reputation. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly to ensure my rights under federal law are protected and enforced.

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address was never associated with my verified residency. Reporting or maintaining this incorrect address violates FCRA 607 ( B ) which mandates maximum possible accuracy. Keeping false residential data implies identity confusion and leads to inaccurate account matching, which is prohibited under FCRA 602 ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address is not connected to any verified credit obligation or identity proof of mine. Maintaining this on file without consent or supporting documentation violates FCRA 611 ( a ) ( 5 ) ( A ), which requires deletion of unverifiable information. It has also contributed to misreported accounts and must be permanently deleted immediately.

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Charge Off * * This account is reported inaccurately and without verified authorization. The data furnisher has failed to provide signed documentation verifying my responsibility for this debt. Reporting unverifiable charge-off data violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am demanding deletion as this entry remains inconsistent and damaging. 

XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Late Payment * * This late payment notation is false. I have previously submitted disputes where no verification was produced within the 30-day window. Reporting unverified payment history violates FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( B ). Continued reporting of unverified data shows negligence in maintaining accurate records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account shows late payments despite a XXXX balance. Reporting late payments on an account that is paid off and closed violates 607 ( B ) as it misrepresents account history. I am requesting deletion or correction to reflect the true payment status as required by 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Late Payment * * This account has been repeatedly verified without proof of late payment. The furnisher has not produced any billing statement, authorization, or signature confirming delinquency. Under 623 ( a ) ( 1 ) ( B ), information that can not be verified must be deleted. Continued reporting is unlawful. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This entry inaccurately lists late payments though the account shows a {$0.00} balance. Reporting such misleading data breaches 607 ( B ) requiring maximum accuracy. The bureau has not provided adequate verification under 611 ( a ) ( 1 ) ( A ), therefore deletion is required immediately. 

Inquiries : XXXX XXXX XXXX XXXX  This inquiry was made without my knowledge or permissible purpose under 604 ( a ). Unauthorized access to my file constitutes a direct FCRA violation. 

XXXX XXXX XX/XX/XXXX XXXX signed application or consent form supports this inquiry. Under 604 ( a ) ( 3 ), no party may pull credit without authorization. 

XXXX XXXX XXXXXX/XX/XXXX I never applied for financing or credit with this entity. This violates 604 ( a ) as there was no permissible purpose. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was conducted without authorization or any valid credit application, breaching 604 ( a ) ( 3 ) of the FCRA. 

XXXX XXXX XX/XX/XXXX No authorization or consent was given for this pull. Such actions are illegal under 604 and must be removed immediately.

I have made multiple attempts to resolve these issues with the credit bureaus and furnishers, but the inaccuracies remain. Under Sections 602 ( A ), 611, and 623 of the Fair Credit Reporting Act, I have the right to accurate, fair, and verifiable credit information. I am requesting the CFPB to initiate an investigation, compel all parties to provide documentation proving the validity of these items, and ensure full compliance with federal law. Continued failure to correct these errors constitutes willful noncompliance under Section 616 of the FCRA.

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