Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my consumer rights have been violated through the reporting of inaccurate and unverified information. My credit report contains wrong addresses, late payment information, and hard inquiries that I never authorized. Under the Fair Credit Reporting Act ( FCRA ) it is the duty of the credit bureaus and furnishers to ensure maximum possible accuracy before reporting. These inaccuracies have caused me serious harm including denials of credit, higher interest rates, and financial stress. I have disputed these items before but they have not been corrected which is a violation of my rights and I am now escalating this matter to the CFPB for immediate reinvestigation and enforcement action. 

XXXX XXXX XXXX XXXXXXXX, IL XXXX Address This address is being wrongfully reported as associated with me. I have no valid, documented, or legal connection to this address and I never resided at or used this location for any financial obligation. Under FCRA 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and associating me with this wrong address demonstrates a clear violation of that requirement. Continued reporting of an address that can not be verified through legitimate, documented proof creates the appearance of negligence and misrepresentation. Without verifiable documents such as signed leases, utility bills, or government-issued identification linking me to this address, you are obligated to delete it from my file. Reporting this false address not only damages my credit reputation but also potentially exposes me to fraud and identity concerns. 

XXXX - XXXX Account # XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} This account continues to report late payments inaccurately. The reporting of late payments without proper validation is a violation of FCRA 1681i, which requires a reasonable reinvestigation of disputed information. Additionally, if XXXX or any third party furnishes this information without substantiated records, it is also a violation of FCRA 623, which mandates furnishers to report accurate information. To date, no original signed contract, payment history validation, or itemized record has been provided to me that proves the legitimacy of the claimed late payments. By law, unverifiable accounts must be removed. Reporting late payments without legal proof not only harms my creditworthiness but also violates the XXXX prohibition against misleading and deceptive practices. As this is my third-round dispute, continued failure to delete this unverified account will be considered willful noncompliance and grounds for legal escalation. 

XXXX XXXX XXXX  Inquiry XX/XX/XXXX This hard inquiry is being reported on my credit file without my knowledge or authorization. Under FCRA 604 ( a ) ( 2 ), a consumer report XXXX only be accessed with my written consent or for a permissible purpose, neither of which applies here. I never granted permission for this company to pull my report, and therefore this inquiry is unauthorized. Continued reporting violates FCRA 1681b and misrepresents my credit history. This entry must be deleted immediately as it is unverified and unlawful. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and can not remain without documented proof of my consent. The FCRA explicitly prohibits credit reporting agencies from allowing third parties to access my credit information without a permissible purpose. I never applied for or sought credit from XXXX CARD on this date, and no signed authorization exists. Reporting this inquiry without validation violates my consumer rights under FCRA 604 and creates an inaccurate portrayal of my credit activity. You are required by law to delete this unverified inquiry. 

EXPERIAN XXXXXXXX XXXX Inquiry XX/XX/XXXX This inquiry was not authorized by me, nor does it reflect any credit application or transaction initiated by me. The FCRA is clear that inquiries must have a permissible purpose, and no such purpose exists here. Reporting unauthorized inquiries violates FCRA 604 and 607, as well as 1681e ( b ) which requires accuracy in reporting. Since no written consent or application can be produced, this inquiry is unverified and must be permanently deleted from my credit report. 

I request the CFPB to take immediate action and compel the credit bureaus and furnishers to delete all wrong addresses, inaccurate accounts, and unauthorized inquiries. The violations of FCRA are clear and the ongoing reporting of false information continues to cause harm. I have exercised my rights and disputes have not been properly addressed, therefore I am asking the CFPB to enforce compliance and ensure that my credit file is corrected in full.

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