Consumer complaint received 2025-11-05 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: WA

Complaint narrative:
I am submitting this formal complaint to the CFPB against the inaccurate and unverified information being reported and maintained by the credit reporting agencies and furnishers. These errors have caused substantial harm to my credit reputation, standing, and access to financial opportunities. The listed address, account, and inquiry below are reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full investigation, deletion of the false information, and confirmation in writing once the inaccuracies are corrected. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, WA XXXX This address has been incorrectly associated with my file. I have never lived nor received mail at this location. Reporting this address creates a false association that damages the integrity of my credit history and misrepresents my identity. Under FCRA 602 ( A ), credit bureaus must assure maximum possible accuracy of consumer information. The presence of this address is a violation of FCRA 607 ( b ). 

XXXX XXXX XXXX  XXXX XXXX, WA XXXX This address is unverified, unrelated to me, and must be deleted immediately. It may be connected to another individual, which presents a potential mixed-file situation. The continued presence of this information violates FCRA 604 ( a ) ( 2 ) as it discloses inaccurate identifying data without permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX have never resided or conducted any financial activity at this address. Reporting it as my own is misleading and inaccurate. The bureaus continued failure to delete this unverifiable address shows neglect of duties under FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account shows a late payment that is completely inaccurate and unverifiable. I have never been late on this account, and the creditor failed to provide any documentation or billing statements proving delinquency. Reporting such data violates FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( b ) as it fails to maintain accuracy and fairness. The alleged late payment has harmed my credit reputation, which directly conflicts with FCRA 602 ( A ) ( 1 ) stating that inaccurate information should not cause consumer hardship. Since the account reflects a {$0.00} balance, it should not show negative payment history. The continued presence of this inaccuracy without evidence shows willful noncompliance under FCRA 616 and 617. 

INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my authorization, consent, or permissible purpose. I did not apply for any credit, loan, or service that would justify this inquiry. The reporting of an unauthorized inquiry violates FCRA XXXX ( a ) ( XXXX ), which restricts access to consumer reports without explicit consent. This must be immediately removed from my file to prevent further privacy violations.. 

XXXX XXXX XXXX XXXX  This XXXX  unauthorized inquiry is fraudulent and harmful to my XXXX XXXX. I never granted permission for XXXX XXXX or any of its affiliates to access my credit report on this date. Under FCRA 604 ( a ) ( 3 ), no XXXX  has the right to pull a consumer report without a certified permissible purpose. Maintaining this inquiry after previous disputes represents willful negligence under FCRA 616. 

These continuous violations reflect the lack of compliance by the data furnishers and the credit reporting agencies in following proper procedures to ensure data accuracy, fairness, and transparency as required by federal law. I am demanding that the CFPB take enforcement action to ensure compliance with FCRA 602, 604, 607, 611, and 623, and FDCPA 807, and compel the deletion of all inaccurate and unauthorized information from my credit profile. I also request written proof of the corrections made by the bureaus and furnishers after reinvestigation.

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