Consumer complaint received 2025-11-12 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 submitting this formal complaint regarding several serious inaccuracies and unauthorized activities appearing on my consumer credit reports. These errors are causing significant harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX. Incorrect Personal Information Wrong Addresses The following addresses are being reported inaccurately and do not belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no connection, residency, or association with these addresses. Their continued presence on my report suggests a failure to properly verify and maintain accurate identifying information. These must be immediately deleted from all credit bureau files. 

XXXX. Inaccurate Account Information False Late Payment Reporting The following accounts are being incorrectly reported with late payment history XXXX XXXX XXXX XXXX XXXX High Balance : {$240.00}, Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$520.00}, Date Opened XXXX XXXXXX/XX/XXXX These entries are factually inaccurate. I have never made any late payments on these accounts. This false reporting damages my payment history and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate information. I am demanding a full investigation and immediate correction of these payment histories to reflect an on-time status. 

XXXX. Unauthorized Hard Inquiries The following companies have placed unauthorized credit inquiries on my report without my consent or permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Under FCRA 604 ( a ) ( 3 ), a credit inquiry can only occur with explicit consent or a legitimate credit transaction. I have never applied for credit or given authorization to any of these entities. I request a full investigation into these inquiries and immediate removal of all unauthorized entries. 

Requested Actions Remove all incorrect addresses from my credit file. 

Correct the late payment inaccuracies on XXXX XXXX  and XXXX XXXX XXXX accounts. 

Delete all unauthorized inquiries listed above. 

Provide a written confirmation of completion from each credit bureau and furnishers. 

These recurring violations demonstrate a clear failure of proper verification and data accuracy as mandated under the FCRA. I am requesting that the CFPB hold the responsible furnishers and credit reporting agencies accountable and ensure prompt corrective action. 

Thank you for your attention to this matter. I expect a written response and resolution within the timeframe required by 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