Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Wrong Address Issue : Incorrect address contributing to false identity reporting Law : FCRA 1681b limits who can access and report your credit data Story : I have never lived here. Its listing implies false credit behaviors tied to someone else and creates a misleading report XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Wrong Address Issue : Inaccurate address creates incorrect profile linkage Law : FCRA 1681e ( b ) bureaus must use reasonable procedures to ensure accuracy Story : This is not my address. It could lead to confusion with another persons credit file, exposing me to unearned risk XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Wrong Address Issue : This address has no connection to me Law : FCRA 1681e ( b ) and 1681i Story : I never authorized this listing and never resided there. Reporting this affects the credibility and trustworthiness of my entire credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Issue : Account is paid but still reflects late payments Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibits furnishing inaccurate info knowingly Story : I paid this account in full and on time. Any reported late payment is a mistake and harms my history unfairly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff IsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I dispute the amount and status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Issue : No date, no creditor details, unverifiable Law : FCRA 1681e ( b ), 1681i Story : I do not recognize this debt. It is suspicious and unverifiable, and should be removed unless original creditor proof is provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Issue : Missing critical information, unverifiable entry Law : FCRA 1681i, FDCPA 809 Story : I have never opened this account. It looks like a mistaken or fraudulent entry, and no notice or bill was sent to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Issue : Debts reported by collectors without original contract Law : FCRA 623, 1681s-2 ( b ) and FDCPA 809 Story : I never received notification or validation from XXXX XXXX XXXX I dispute this charge-off and request proper investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Issue : Debt buyer reporting without validation Law : FCRA 1681e ( b ), 1681i and FDCPA 809 Story : I never received a debt validation notice from XXXX XXXXhe amount seems inflated and the account date is suspicious. Please remove if not validated XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Hard inquiry without my authorization Law : FCRA 604 ( a ) ( 3 ) Story : I did not apply for credit with this company and never gave permission to pull my report. This is unauthorized XXXX XX/XX/XXXX Inquiry Issue : Inquiry without permissible purpose Law : FCRA 604 ( a ) Story : I was not applying for credit from XXXX. This pull was unauthorized and should be deleted XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Duplicate unauthorized inquiry Law : FCRA 604 ( a ) Story : I did not consent to this inquiry. There are two entries from XXXX XXXX that I did not approve XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry without application Law : FCRA 604 ( a ) Story : I never applied with XXXX or XXXX. This pull is unauthorized and violates my privacy XXXX XXXXXX/XX/XXXX Inquiry Issue : Inquiry without my knowledge Law : FCRA 604 ( a ) Story : I did not consent to this pull. It affects my credit profile and was not tied to a legitimate application XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 604 ( a ) Story : This inquiry was made without my knowledge or request. Please delete it XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry done without any credit request from me Law : FCRA 604 Story : I did not apply for a XXXX card and did not consent to this inquiry XXXX XXXX XXXX XXXX  Inquiry Issue : Duplicate XXXX inquiry Law : FCRA 604 Story : I am seeing multiple XXXX inquiries that I never approved. Please investigate and remove XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized hard pull Law : FCRA 604 Story : I never gave permission to pull my credit. This action violates my consumer rights XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Hard pull without application Law : FCRA 604 ( a ) Story : This inquiry was not made with my consent and should be removed from all bureaus XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized and harmful inquiry Law : FCRA 604 Story : I did not initiate any auto financing request with this company. Please remove this immediately XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : No application was submitted Law : FCRA 604 Story : This inquiry was unauthorized and damages my creditworthiness. Please delete it XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Hard pull done without my knowledge Law : FCRA 604 Story : I never permitted this company to pull my credit. This entry should be removed XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCXXXX XXXX XXXXtory : I did not initiate credit activity with Ally. This pull is not valid XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry made by a third-party dealer Law : FCRA XXXX4 Story : I never gave authorization to XXXX or XXXX. Please remove this inquiry XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Issue : Inquiry made without my application Law : FCRA 604 Story : I never shopped for a car or financing from this dealership. This inquiry is invalid These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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