Consumer complaint received 2026-06-03 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:
I am filing this complaint because certain information appearing on my consumer report does not accurately reflect my credit history. Pursuant to Sections 607 and 611 of the Fair Credit Reporting Act, I request a thorough investigation and correction of any information that can not be fully verified. Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge of this address and it is not my address. I dispute its association with my consumer file and request that Experian conduct a complete investigation regarding the source of this information. Pursuant to FCRA 607 ( b ) and 611, consumer reporting agencies are required to maintain accurate identifying information. Reporting inaccurate personal information creates a risk of mixed files and may result in the reporting of information belonging to another consumer. If this address can not be verified as belonging to me, I request that it be permanently deleted from my credit report and consumer file. Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge of this address and it does not belong to me. I dispute the accuracy of this identifying information and request a complete reinvestigation. Under FCRA 607 ( b ), Experian must maintain reasonable procedures to ensure maximum possible accuracy of consumer information. If this address can not be verified as my address through reliable documentation, I request its immediate and permanent deletion from my credit file. XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | High Balance : {$3400.00} ) * * I have no knowledge of this account and dispute its reporting in its entirety. I do not recognize this account and do not believe I am responsible for it. Pursuant to FCRA 611, I request that Experian conduct a complete reinvestigation, including verification of account ownership, original application records, contractual obligation, account history, payment records, and all documentation relied upon to report this account. Under FCRA 607 ( b ), Experian is required to ensure maximum possible accuracy of all information reported. Additionally, pursuant to FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reasonable cause to believe is inaccurate. If this account can not be fully verified through competent documentary evidence establishing that I am the responsible party, I request that this account be permanently deleted from my credit report. XXXX BANK Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | High Balance : {$30000.00} ) * * I have no knowledge of this account and dispute this charge-off account in its entirety. Pursuant to FCRA 607 ( b ), 611, and 623 ( b ), I request that Experian and the furnisher conduct a reasonable and comprehensive investigation into the ownership, balance, payment history, charge-off status, and all information associated with this account. Please verify that all reported information is accurate, complete, and supported by documentation. If the furnisher is unable to provide sufficient evidence proving ownership and accuracy, I request that this account be permanently deleted from my consumer report. Any information that can not be verified must be removed pursuant to FCRA 611 ( a ) ( 5 ). XXXX Account No. XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | High Balance : {$440.00} ) * * I am disputing the late payment history associated with this account because it appears inaccurate and does not accurately reflect my payment history. Pursuant to FCRA 607 ( b ) and 611, I request a detailed investigation into each reported late payment, including verification of the dates, status codes, payment records, and supporting documentation used to report the alleged delinquencies. If the furnisher can not provide competent evidence supporting the reported late payments, I request that all inaccurate late payment history be removed and corrected to accurately reflect the account 's payment history. The reporting of inaccurate derogatory information is materially misleading and inconsistent with the FCRA 's requirement of maximum possible accuracy. XXXX XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX I have no knowledge of this inquiry and do not recall authorizing this company to access my consumer report. Pursuant to FCRA 604 ( 15 U.S.C. 1681b ), a consumer report may only be accessed for a permissible purpose authorized by federal law. I request that Experian investigate this inquiry and verify the existence of a valid permissible purpose and authorization. If Experian can not verify that this inquiry was authorized or obtained pursuant to a permissible purpose, I request that this inquiry be permanently removed from my credit report. XXXXXXXX XXXX XXXX Inquiry Dated XX/XX/XXXX I have no knowledge of this inquiry and dispute its presence on my consumer report. Under FCRA 604, consumer reports may only be accessed when a permissible purpose exists. I request that Experian verify the authorization and legal basis for this inquiry. If proper authorization can not be verified, I request that this inquiry be permanently deleted from my credit report. XXXX XXXX Inquiry Dated XX/XX/XXXX I have no knowledge of this inquiry and do not recall authorizing access to my credit file by this entity. Pursuant to FCRA 604 and 611, I request a complete investigation into this inquiry and verification that a permissible purpose existed at the time my report was accessed. If Experian can not provide evidence of authorization or permissible purpose, I request that this inquiry be permanently removed from my credit report. Thank you for your review of this matter. I request that all disputed information be investigated thoroughly and that any information lacking proper verification be removed in accordance with applicable provisions of the Fair Credit Reporting Act.

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