Consumer complaint received 2025-08-06 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 writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( Experian, Equifax, and TransUnion ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS XXXX XXXX PL XXXX XXXX, NV XXXX Law : FCRA 602 A, 607 ( b ), 611 Issue : This address is not associated with me and is incorrectly listed on my credit report Story : I have never lived at or been affiliated with this address. Including it on my report is misleading and may have led to the reporting of inaccurate accounts. Please remove it immediately from all credit records XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 602 A, 607 ( b ), 611 Issue : This is not my residence and is being wrongly reported as part of my profile Story : I do not know or have any association with this address. It was never used by me and should be removed to ensure my credit report reflects only accurate, verified data ACCOUNT XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Law : FCRA 602 A, 607 ( b ), 611 Issue : Account is reported as charged off but has never been properly verified or validated with supporting documents Story : I am challenging the legitimacy of this account. I do not recall opening this account, and no contract or payment history has been provided to confirm its accuracy. If this debt can not be verified, it must be deleted per FCRA requirements XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Law : FCRA 607 ( b ), 611, 15 USC 1681s-2 Issue : Late payment is inaccurately reported and has not been validated Story : I dispute the reported late payment. There was no delinquency from my end, and I have not received any proof of missed payments. This derogatory mark is unjustified and harming my creditworthiness INQUIRIES XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 611 Issue : Inquiry not connected to any credit application Story : I did not apply for credit or authorize this inquiry. No firm offer of credit was received, and no permissible purpose exists XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 611 Issue : Hard inquiry without proper notification or permission Story : This inquiry was not initiated by me. I demand removal of this unauthorized access to my file XXXX XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 611 Issue : Inquiry done without my application or consent Story : I never submitted an application to Ally Financial through GMA and request deletion of this inquiry immediately XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 611 Issue : No permissible purpose for accessing my report Story : I do not have a relationship with this company and did not request financing. This inquiry is not authorized and is harming my credit XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 611 Issue : Unauthorized hard inquiry Story : I did not initiate any transaction with this company and did not authorize them to pull my report. It must be removed XXXX XXXX  XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 611 Issue : Inquiry made without legitimate reason or consent Story : I never applied for credit with XXXX XXXX XXXX XXXX and no business was conducted that allows access to my report. Remove this inquiry now XXXX XXXX  XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ), 611 Issue : No authorization or valid application for credit Story : I dispute this inquiry and state that I did not apply for any product with XXXX  XXXX XXXX on the reported date The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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