Consumer complaint received 2025-07-29 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: WA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting XXXX intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law Violation : FCRA XXXX XXXX & XXXX ( c ) ( XXXX ) ( XXXX ) Credit bureaus are required to ensure information is accurate and verifiable Issue & Story : I have never lived at or been associated with this address. Its appearance on my credit report is a clear case of mixed file or identity confusion. This misinformation is damaging and must be deleted immediately to preserve the integrity of my credit file. 
Instruction : Please delete this address from all parts of my report and notify all parties who received this incorrect data. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Address Law Violation : FCRA Section 607 ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy Issue & Story : I have no personal or financial connection to this address. This error is causing harm to my credit profile and is in direct violation of federal law. 
Instruction : Remove this address from all records and confirm the deletion in writing within XXXX  days as required by law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Violation : FCRA XXXX XXXX ( a ) & XXXX ( a ) ( XXXX ) ( A ) Furnishers must report accurate data and correct errors when notified Issue & Story : I dispute the reported late payment because I made all payments on time. I request the original creditor provide concrete evidence of this delinquency including payment history, billing statements, and notices. Without verifiable documentation, this entry must be removed under the Fair Credit Reporting Act. 
Instruction : Please reinvestigate this tradeline with the data furnisher and delete if the creditor can not verify the account with complete and accurate records. 

XXXX XXXXXXXX XXXX  XX/XX/XXXX Inquiry Law Violation : FCRA XXXX XXXX ( a ) ( XXXX ) Credit inquiries must be authorized by the consumer for a permissible purpose Issue & Story : I did not authorize or initiate any credit application that would allow XXXX XXXX XXXX  to pull my credit report on this date. This inquiry was unauthorized and constitutes a violation of my consumer rights. 
Instruction : Please delete this hard inquiry immediately and provide written confirmation that it has been removed. 

These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with 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