Consumer complaint received 2025-07-18 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:
This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXX XXXX XXXX XXXX XXXX  XXXX Law Issue : Pursuant to FCRA Section 602 A, consumer reporting agencies must maintain maximum possible accuracy. Reporting a variation of this address with an incorrect ZIPXXXX is materially misleading and inaccurate. 
Story : I have never resided at this version of the address. It appears to be an incorrect duplicate with a ZIP code extension that causes confusion. I request immediate deletion of this erroneous listing from my credit file. 
XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX Law Issue : FCRA 607 ( b ) requires credit bureaus to ensure that only verified and correct information is reported. 
Story : I have never lived at this address, nor do I have any association with it. Its appearance on my credit report is misleading and causing me harm during credit evaluations. I request its removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Issue : Under FCRA Section 609 ( c ) ( 2 ) ( E ), you are obligated to provide full disclosure of sources of address data and correct inaccuracies. 
Story : This address is unfamiliar and incorrect. I do not recognize it and it is not connected to any verified accounts or applications Ive submitted. Please remove it from all three credit bureaus. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Late Payment * * Law Issue : Per FCRA Section 611 ( a ), consumers have the right to dispute inaccurate or outdated information, and furnishers must conduct a reasonable investigation. 
Story : I dispute the reported late payment as inaccurate. I was enrolled in a payment plan due to a temporary hardship and was advised by a XXXX XXXX representative that this would not negatively affect my credit. This late mark is misleading and damaging. I request removal after reinvestigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7900.00} Late Payment * * Law Issue : Under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher of information must not report inaccurate data. 
Story : The late payment reported here is incorrect. I had made timely payments through an auto-payment setup and have documentation to prove this. The error likely stems from XXXX  internal system. Please remove the derogatory mark and update the account status accordingly. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) ( 3 ) limits the circumstances under which a credit inquiry can be made. 
Story : I never authorized this inquiry and did not apply for any credit with XXXX XXXX XXXX XXXX. This unauthorized inquiry is a violation of my consumer rights and must be removed. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : Unpermitted inquiries violate FCRA XXXX XXXX ( a ), which requires permissible purpose and consumer consent. 
Story : I did not authorize this company to pull my credit. I have no relationship with XXXX XXXX XXXX and never consented to this access. Please delete this inquiry immediately. 
I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

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