Consumer complaint received 2025-10-15 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 with the CFPB regarding multiple inaccurate and unauthorized items reported on my credit file, including a wrong address, a charge-off, a collection, and an unauthorized inquiry. These errors have caused severe damage to my credit profile, financial stability, and personal reputation. Each of the items listed below is being reported or verified in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ). I am requesting a full investigation and removal of the following inaccurate items immediately. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are not mine and have no relation to my personal identification or verified residence history. Reporting wrong addresses creates a false identity trail and violates FCRA 1681c ( a ) ( 4 ) by allowing inaccurate personal information to remain. I have never resided at these addresses, nor authorized any institution to associate them with my profile. It is your legal responsibility to maintain maximum possible accuracy, and continuing to report such wrong data violates FCRA 1681e ( b ). I demand these addresses be permanently deleted from my report. 

ACCOUNXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Status : Collection XXXX XXXX This account is being reported as a collection even though no valid authorization or written agreement was ever executed. I never received proper validation notice under 15 U.S.C. 1692g ( b ) of the FDCPA, and the debt collector failed to confirm its legitimacy. Reporting this without proper validation violates both the FDCPA and FCRA 1681e ( b ). Any continued reporting after failure to validate constitutes willful noncompliance under FCRA 1681n. I am demanding deletion of this unverified and inaccurate account immediately. 

INQUIRIES 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 XXXXXX/XX/XXXX These inquiries were not authorized by me nor initiated through any legitimate credit application process. Each of these inquiries represents an unauthorized access to my credit file and violates FCRA 604 ( a ) ( 2 ) and 1681b ( f ), which strictly prohibit credit pulls without permissible purpose. I did not consent, apply for credit, or engage with these entities, and I demand immediate deletion of all these unauthorized inquiries as they were conducted without legal authorization. 

I am submitting this complaint to the CFPB as a formal request for intervention. The credit reporting agencies and furnishers involved have repeatedly failed to uphold their responsibilities under the law. I demand that the CFPB ensure a thorough investigation and verification process for each of the items listed above, and that all inaccurate, unverified, or unauthorized information be permanently removed from my credit file to restore my credit integrity and consumer rights.

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