Consumer complaint received 2025-10-13 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 Consumer Financial Protection Bureau ( CFPB ) because my credit report contains inaccurate addresses, incorrect late payment information, and unauthorized inquiries. These errors violate my consumer protection rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). The credit reporting agencies and furnishers have failed to conduct a lawful reinvestigation and continue to report unverifiable and false data that damages my creditworthiness. I am requesting CFPBs direct intervention to enforce federal compliance and ensure full correction or deletion of these items. 

ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have never lived at or used this address in any financial or personal record. Reporting this as connected to my file is a clear violation of my right to accurate reporting under FCRA Section 602 ( A ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This location is unrelated to me and its appearance in my report represents a data mix-up or error. In compliance with FCRA Section 611, please delete this unverifiable address immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$580.00} * * This account is being inaccurately reported with late payments that never occurred. Under FCRA Section 609 and 611, I have the right to demand full verification from the original creditor with documented evidence. If such proof can not be produced, this account must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} * * The payment history on this account is false and damaging. According to FCRA 602 ( A ), information must be reported with integrity and accuracy. The late marks appear to be based on incorrect data transmission or system error, and no proper notice was provided to me as required by law. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$550.00} * * I never missed any verified payments, and no documentation supports the alleged delinquencies. This violates the accuracy requirement of FCRA 607 ( B ). I request a reinvestigation and deletion of these false entries. 

XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$38000.00} * * The payment data being reported as late is inaccurate and inconsistent with my actual payment record. This represents a violation of FCRA Section 611 for failing to maintain verifiable records before furnishing such data. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} * * The alleged late payment status is unverifiable and misleading. Under FCRA Section 623 ( A ) ( 1 ) ( A ), furnishers must not report information they know or should know to be inaccurate. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$270.00} * * This account was reported inaccurately with false lateness that does not align with my payment record. It violates FCRA Section 607 ( B ) and 611 for failure to ensure accurate and verified reporting. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} * * The report shows late payments that are untrue and unsupported by documentation. Such errors must be deleted immediately under FCRA 611 ( A ) as unverifiable and harmful. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} * * This account is inaccurately showing late payment reporting. The furnisher has violated FCRA Section 623 ( A ) ( 1 ) ( B ) by continuing to furnish false data without revalidation. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * This item reflects a false late payment entry with no balance owed. Under FCRA and the Consumer Data Integrity Rule, unverifiable negative data can not be legally reported and must be removed. 

INQUIRIES XXXX XXXXXX/XX/XXXX This unauthorized inquiry violates my rights under FCRA 604 ( A ) ( 3 ). I did not give consent for this entity to access my report. 

XXXX XXXX XXXX XX/XX/XXXX I never provided written authorization or initiated any application with this creditor. Reporting this inquiry violates FCRA Section 604 and constitutes a privacy breach under federal law.

The repeated violations by furnishers and credit bureausthrough false addresses, inaccurate late payments, and unauthorized inquiriesrepresent clear noncompliance with FCRA 602, 607, 611, and 623. I am asking the Consumer Financial Protection Bureau to conduct a thorough investigation, require the deletion of all unverifiable and inaccurate data, and enforce accountability against the credit reporting agencies and furnishers responsible for these violations.

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