Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Address Dispute XXXX XXXX XXXX XXXX, AL XXXX Law : FCRA Section 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. FCRA Section 611 requires deletion of unverifiable information. 
Issue : This address does not belong to me and should never have been associated with my file. It is creating a false connection and may cause confusion in my report. 
Story : I have never lived at this location, never received mail there, and never used this address for employment, billing, or any financial relationship. Including it in my file makes it appear as though I have ties to locations that I do not, which could result in mixed-file issues and the reporting of accounts that may not even belong to me. This type of inaccuracy increases the risk of identity confusion and damages the reliability of my credit profile. 
Instruction : Please delete this inaccurate address from my credit file immediately. 

Account Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00} Late Payment Law : FCRA Section 602A and Section 623 ( a ) ( 1 ) ( A ) prohibit furnishing inaccurate information. FCRA Section 611 requires that unverifiable items must be removed. 
Issue : This account is reporting late payments that are inaccurate and unverifiable. 
Story : I have already requested proof of this delinquency, but I was not provided with any signed documentation, billing history, or account records showing the alleged late payments. Reporting derogatory information without proof creates an unfair and damaging impact on my creditworthiness. Lenders reviewing my file may wrongly assume that I have a history of mismanaging credit, when in reality the negative mark is unverified and inaccurate. This creates real harm in my ability to secure credit, housing, and fair interest rates. 
Instruction : Please delete or update this account to reflect accurate and verifiable information only. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Late Payment Law : FCRA Section 602 and 607 ( b ) require accurate reporting, and Section 611 requires deletion of unverifiable data. 
Issue : This account is showing late payments that I dispute as inaccurate and unverifiable. 
Story : I have never received documentation confirming the accuracy of these late payments. If the creditor can not provide clear and complete records, then reporting this account with negative marks is unlawful under the FCRA. This continued misreporting is lowering my credit score, blocking financial opportunities, and unfairly labeling me as a higher-risk borrower. The harm from this unverifiable data goes beyond numbersit directly affects my financial stability, my ability to rent or buy a home, and my access to fair credit. 
Instruction : Please conduct a reinvestigation and delete the inaccurate late payment history if it can not be fully verified. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 ( a ) requires a permissible purpose for all inquiries. 
Issue : I did not authorize this inquiry. 
Story : This company accessed my report without my knowledge or consent. I never signed any application or agreement that would give them such authority. Unauthorized inquiries can result in identity theft concerns and unfair credit score reductions. This is misleading to future creditors who might assume I applied for more credit than I actually have. 
Instruction : Please delete this unauthorized inquiry. 

XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) requires permissible purpose for credit inquiries. 
Issue : This inquiry is unauthorized. 
Story : I never gave written, verbal, or electronic consent to this company to pull my credit. Inaccurate inquiries undermine the security of my credit file and create unnecessary harm to my financial reputation. If the bureau can not provide proof of my authorization for this pull, it must be deleted immediately. 
Instruction : Please remove this unauthorized inquiry. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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