Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies for reporting inaccurate and unverifiable information on my consumer credit file which is causing significant harm to my financial well-being and reputation the items listed below include incorrect addresses late payment history and an unauthorized inquiry all of which I am disputing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) and I request immediate reinvestigation and correction of these issues. 
DISPUTED ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX Law : Under the Fair Credit Reporting Act ( FCRA ) Section 602 A and 609 ( c ), I have the right to accurate and verifiable information. Reporting inaccurate addresses violates these rights.

Issue : This address is unknown and incorrect. I have never lived, worked, or been associated with this address.

Story : This address does not belong to me and is harming my credit profile. It may be the result of a reporting error or identity confusion. I demand that this address be deleted immediately and not reinserted without full reinvestigation and verification as required under FCRA Section 611. 

DISPUTED ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : Per FCRA 607 ( b ), credit bureaus are obligated to follow reasonable procedures to ensure maximum possible accuracy.

Issue : This address is being reported inaccurately and should not appear on my report.

Story : I have no verifiable connection to this location. Its presence raises concerns regarding potential mixed files or identity misuse. I request that you remove it permanently and block any future reporting without full documentation. 

DISPUTED ACCOUNT : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Late Payment reporting is inaccurate and harmful Law : FCRA Sections 602 A, 609 ( a ), and 611 allow me to dispute incomplete or inaccurate information and request evidence of its accuracy.

Story : This account is showing a late payment even though the balance is zero and has been closed. I am requesting a full reinvestigation, including payment history validation and original creditor verification. If you can not provide evidence, this late payment must be removed as mandated by FCRA.

UNAUTHORIZED INQUIRY : XXXX XXXX XXXX Dated XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ) states that inquiries must be made with a permissible purpose and my authorization.

Issue : This inquiry was done without my consent and is unauthorized.

Story : I never applied for credit or gave permission for this inquiry to be made. This violates my consumer rights. Please remove this inquiry and provide proof of permissible purpose as required under FCRA 611. If no proof is available, block it from my file immediately.

UNAUTHORIZED INQUIRY : XXXX XXXX XXXX Dated XX/XX/XXXX Law : Per FCRA 604 ( a ), a company must have written consent or a legally defined purpose to access my credit file.

Issue : This hard inquiry was done without my knowledge or consent and is therefore unlawful.

Story : I did not initiate any transaction, application, or authorize XXXX XXXX XXXX  to pull my report. This is a breach of privacy and regulatory compliance. I demand that it be removed and no further inquiries occur without documented permission. 

Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the 30-day timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and other legal channels including civil liability under 15 USC 1681n and 1681o.

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