Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
This is a formal complaint regarding multiple inaccuracies and unauthorized reporting appearing on my credit report. The information being reported does not reflect accurate, verified, or lawfully maintained data under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to take immediate investigation and enforcement action to ensure compliance by the furnishers and credit reporting agencies involved. These errors have caused me significant harm, including credit denials and emotional XXXX, due to the unlawful and negligent handling of my consumer information. 

Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is being reported incorrectly and does not belong to me. Reporting a false or outdated address misrepresents my residence history and creates confusion in my credit profile. FCRA 607 ( b ) requires consumer reporting agencies to ensure the accuracy and integrity of personal identifiers such as addresses. Continued presence of this wrong address after prior disputes is a direct violation of this section and FCRA 611 ( a ), which mandates deletion when verification can not be proven. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is not associated with any verified account of mine and has been previously disputed. Maintaining this data shows failure to correct known inaccuracies. According to FCRA 611 ( a ) ( 1 ) ( A ), reinvestigation must delete or correct unverified information. Reporting this false location damages my creditworthiness and violates 607 ( b ) accuracy obligations. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account reflects an inaccurate late payment, which is false and not verified through any supporting documentation. Reporting an erroneous late payment on a paid or closed account violates FCRA 623 ( a ) ( 1 ) ( A ) because furnishers can not report information they know or have reasonable cause to believe is inaccurate. Under 611 ( a ), if verification can not be confirmed with certified records, the item must be deleted immediately. The bureaus failure to correct this item after prior notices is a continued violation of 616, which permits legal action for willful noncompliance. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not approved by me and does not relate to any credit transaction I initiated. Under 604 ( a ) ( 3 ) ( A ), inquiries require a permissible purpose such as application or consent, which did not occur. This unverified inquiry must be deleted immediately as required under 611 ( a ) ( 5 ). 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized and has no connection to any legitimate application. Under 604 ( f ), it is illegal to obtain a consumer report without permissible purpose. Continued inclusion of this item after dispute indicates willful neglect of FCRA duties and should be removed immediately under 611 ( a ).

I am requesting the CFPB to investigate these violations, demand documentation of permissible purpose and verification from the data furnishers, and take appropriate action to ensure the deletion or correction of all inaccurate and unauthorized information. The continuous mishandling and negligence of my personal data by these entities directly violate my rights under the FCRA and FDCPA. I demand full accountability, correction of errors, and necessary regulatory enforcement for the damages suffered.

Company response to consumer: Closed with explanation