Consumer complaint received 2025-08-07 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 is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
XXXX XXXX XXXX XXXX  CA XXXX LAW : FCRA 609 ( c ) ( 2 ) ( E ), 604 ( a ) ( 2 ), 602 ( a ), 607 ( b ), 610 ISSUE : This address is incorrect and not associated with me. 
STORY : I have never lived at this location nor had any legal, financial, or mailing connection to this address. Its presence on my credit file is a clear case of mixed or merged file. This inaccurate data affects the integrity of my report and must be removed immediately to reflect my true personal information. 

ADDRESS XXXX XXXX XXXX XXXX, CA XXXX LAW : FCRA 609 ( c ) ( 2 ) ( E ), 604 ( a ) ( 2 ), 602 ( a ), 607 ( b ), 610 ISSUE : This address does not belong to me and is being inaccurately reported. 
STORY : I have no relationship or association with this address. Its inclusion in my report is completely false and misleading. This error can lead to serious damage by connecting me to accounts or inquiries that are not mine. Please delete this address immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 611 ( a ), 609 ( a ), 602 ( a ), 607 ( b ), 623 ( b ) ISSUE : This account is inaccurately reporting late payments which are not factual. 
STORY : I formally dispute the alleged late payment being reported under this account. I have no record or notice validating these missed payments, and I request a full reinvestigation. If the furnisher can not provide full validation with original signed documentation, the negative payment history must be removed immediately under my FCRA rights. This error is unjustly harming my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ), 607 ( a ), 616, 615 ( a ) ISSUE : This is an unauthorized inquiry made without my knowledge or permissible purpose. 
STORY : I never granted permission or initiated any application that would have authorized this inquiry. This violates FCRA 604 ( a ) which restricts access to a consumer report without permissible purpose. Please remove this inquiry as it was made without my consent. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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