Consumer complaint received 2025-10-14 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 submitting this complaint to the CFPB to formally dispute inaccurate information being reported on my credit report. The Fair Credit Reporting Act ( FCRA ) Section 1681i obligates credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. The Fair Debt Collection Practices Act ( FDCPA ) Section 1692e prohibits debt collectors from using false, misleading, or deceptive representations. I am bringing these issues to CFPB attention for immediate investigation and correction of my credit report. 

ADDRESS XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 1681e ( b ), 1681i The reported address is inaccurate and does not belong to me, leading to potential misattribution of accounts and inquiries.

Story : This address has never been my residence or mailing address. Including it on my credit report misrepresents my identity and leads to confusion for lenders. I demand that the bureau verify the source of this address with the furnisher, and if it can not be fully verified, remove it immediately. 

ACCOUNT XXXX XXXX XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/2024 Late Payment Law/Issue : FCRA 1681i, 1681s-2 ( b ) Late payment reporting is inaccurate and unverifiable. 
Story : I have never missed a payment or been delinquent on this account. The reported late payment does not match my payment history or records. Under FCRA, the bureau must verify the accuracy of all reported delinquencies directly with the furnisher. If verification can not be produced, this late payment must be deleted. 

INQUIRY XXXX XXXX XXXX XX/XX/2024 Law/Issue : FCRA 604 ( a ) ( 3 ) Unauthorized hard inquiry. 
Story : I never applied for credit with XXXX XXXX or authorized any inquiry. Reporting this inquiry is inaccurate and must be deleted if unverified. 

INQUIRY XXXX XXXX XXXX XX/XX/2024 Law/Issue : FCRA 604 ( a ) ( 3 ) Unauthorized hard inquiry. 
Story : I did not request or authorize any inquiry from XXXX XXXX XXXX. Its presence on my report constitutes an FCRA violation and must be removed. 

INQUIRY XXXX XXXX XX/XX/2024 Law/Issue : FCRA 604 ( a ) ( 3 ) Unauthorized hard inquiry. 
Story : I never applied for auto credit through XXXX XXXX and did not provide authorization. Inclusion of this inquiry is inaccurate and must be deleted immediately. 

In summary, the reporting of an incorrect address, false late payment, and unauthorized inquiry has caused significant harm to my credit profile and potential access to credit. Under the Fair Credit Reporting Act Sections 1681i and 1681e ( b ) and the Fair Debt Collection Practices Act Section 1692e, I am requesting that CFPB ensures these inaccuracies are promptly corrected or deleted from my credit report. Immediate action will prevent further harm and ensure my rights are fully protected.

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