Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : Address Dispute # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : I have never lived at this address and have no known connection to it Law : FCRA 602 ( A ), 609 ( c ) ( 2 ) ( E ), 611 Story : This address is being falsely associated with my credit profile which may lead to the reporting of inaccurate accounts or identity mix-up, please delete this from my file immediately as it is negatively affecting my credit profile Address Dispute # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Issue : This address is not mine and is incorrectly reported on my file Law : FCRA 602 ( A ), 609 ( c ), 611 Story : I never resided at this location nor used it for any purpose, it is an inaccurate entry possibly due to reporting errors, and I request its removal from my report immediately Address Dispute # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX : I am not associated with this address in any way Law : FCRA 611, 607 ( b ), 609 ( a ) ( 1 ) Story : Including this address without my authorization constitutes misreporting of personal identification and must be corrected to avoid misleading creditors and violating my privacy Account Dispute # XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$2700.00} Issue : Reported with Late Payments Law : FCRA 607 ( b ), 611 ; CFPB Regulation V Story : This account has been reported with late payments that I strongly dispute, I have no recollection of missing any payment for this account and the creditor has not provided any evidence to justify the delinquency, I demand removal of the late payment notation or full deletion if unverifiable within 30 days Account Dispute # XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3700.00} Issue : Late Payments Reported Law : FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), 15 U.S. Code 1681s-2 Story : The reported delinquencies are incorrect and severely damaging my credit profile, I request proof from the data furnisher validating these claims or deletion under FCRA due to lack of verification Account Dispute XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3600.00} Issue : Reported with Late Payments Law : FCRA 607 ( b ), 611 ; FDCPA Section 807 ( 8 ) Story : I dispute the reported late payments as they were caused by either system error or inaccurate internal reporting, I demand XXXX XXXX or your bureau furnish documented proof or remove this item completely Account Dispute # XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$23000.00} Issue : Late Payments Indicated Law : FCRA 611, 623 ; 15 U.S.C. 1681i Story : The account shows late payments I am not responsible for and do not recognize, I am requesting full validation of payment history under my rights through FCRA or immediate correction/removal if unverifiable Hard Inquiry Dispute XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : Unauthorized Hard Inquiry Law : FCRA 604 ( a ) ( 3 ), 604 ( c ), 615 Story : I did not authorize this credit inquiry and had no dealings with this company at the time, under FCRA an inquiry without a permissible purpose constitutes a violation and must be removed immediately to prevent further harm to my score REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your attention to this matter.

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