Consumer complaint received 2025-09-09 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 to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This address is not now and has never been associated with my personal residence or financial profile. I have never lived at or conducted any business from this location. By continuing to include it on my report, you are misrepresenting my identity and exposing me to the risk of mixed files or fraudulent association. The FCRA clearly requires that only accurate and verifiable information be reported, and this address fails both standards. Its presence creates confusion and damages my ability to maintain a clean credit history. I demand that it be permanently removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX This variation of another false address further proves failure in maintaining accuracy. It is not a valid address for me, and the incorrect spelling demonstrates clear data-entry error. Such duplication of false data misrepresents my personal identifying information and suggests negligence in reinvestigation procedures. Under the FCRA, you are not permitted to report inaccurate or unverifiable data, yet this remains on my file. I have no ties to this address and demand its removal to prevent further harm to my credit profile. 

Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} This account is being reported with late payments that I fully dispute as false and unverifiable. I have never been provided any legitimate billing statements, signed contract, or original records proving that the alleged late payments actually occurred. Without documentation from the original creditor, these negative marks violate my rights under FCRA 611, which requires a reasonable reinvestigation and deletion of unverifiable data. Reporting a balance of over {$14000.00} with unverified late payments creates severe damage to my creditworthiness and misleads potential lenders. The law requires accuracy and fairness, and yet this account is shown in a way that is inconsistent and harmful. If you can not provide full validation with complete records, this account must be deleted immediately to restore compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} This account is shown as closed with a XXXX balance, yet you are still reporting late payments. This contradictory reporting is misleading and inaccurate under FCRA 607 ( b ), which mandates maximum possible accuracy. A XXXX balance account can not simultaneously report delinquency because it misrepresents my payment history. I have not been shown any proof of these alleged late payments, and therefore I dispute their validity. The continuing presence of such negative information is damaging my profile and violating my consumer rights. If no verifiable evidence can be provided that proves late payments beyond hearsay data, you are required by law to remove the derogatory marks from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$8.00} This account is highly questionable as it reports a balance of only {$8.00} yet is still showing late payment history. It is unreasonable and unlawful to report such a minor balance as delinquent without providing proof of actual default. The FCRA requires fair and accurate reporting, and there is nothing fair about damaging my credit for such a small disputed amount. I have not received any original signed agreement, billing history, or notice of delinquency from the creditor. The absence of such evidence proves the account can not be verified. Under 611, if you can not validate the late payment with full supporting documentation, the derogatory information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} This account is relatively new, has a XXXX balance, and yet it is still being shown with late payment history. This reporting is illogical, inconsistent, and harmful to my credit profile. The FCRA requires you to ensure maximum possible accuracy, but showing late payments on an account with no balance and no proper evidence violates that requirement. I dispute the entire reporting of negative information on this account because it has not been verified with contractual records. The creditor has not presented any billing cycle records proving I was late. If these negative marks can not be fully documented with real evidence, you must delete them in compliance with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} This account is being reported as a charge-off, which I fully dispute as inaccurate. I have not been provided with original contractual documents, account statements, or any verifiable proof that justifies this charge-off. Reporting an account as charged off is a very serious derogatory mark, and it can not be left on a file without strict proof. The FCRA mandates that unverified or unverifiable information must be removed, and in this case, the creditor has failed to provide validation. Reporting such an account without evidence damages my ability to obtain credit, employment, or housing. Unless you can present complete documentation from the creditor proving the accuracy of this charge-off, the account must be deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} This account is being reported with late payments even though it shows a XXXX balance and closed status. The reporting is inconsistent and misleading, violating FCRA 607 ( b ). A closed account with no balance should not continue to harm my credit file with derogatory marks unless there is absolute proof of verified delinquency. I have never been provided original billing statements or contract documentation showing the alleged late payments. Instead, only unverifiable data is being reported, which is unlawful under FCRA 611. I dispute this account fully and demand deletion if proper validation can not be provided. Continuing to report false late payments misrepresents my consumer history and violates my legal rights. 

Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized XXXX XXXX  XXXX to pull my credit report, nor did I apply for any credit account with them. This inquiry has no permissible purpose and violates FCRA 604. Retaining unauthorized inquiries is harmful, misleading, and unlawful. It creates an inaccurate image of my credit behavior and damages my ability to secure fair financing. For compliance with federal law, this inquiry must be removed. 

XXXX XXXX XX/XX/XXXX This inquiry was placed without my consent and is not tied to any legitimate application I submitted. The FCRA strictly prohibits reporting of inquiries that lack permissible purpose. Its presence damages my credit score, suggests inaccurate financial activity, and is misleading to future creditors. Since this entry can not be verified as consumer-initiated, you are required under law to delete it immediately. 

XXXX XXXX  XXXX XX/XX/XXXX This inquiry was never authorized by me and is entirely inaccurate. I have no record of applying for credit with XXXX  XXXX XXXX on the listed date, and therefore they had no legal reason to access my file. The FCRA protects me against such unauthorized actions, and its presence is both unlawful and harmful. To maintain compliance with federal law and protect the accuracy of my credit history, this inquiry must be removed. 

XXXX XXXXXX/XX/XXXX This inquiry was not initiated by me, nor do I have any relationship with XXXX that justifies permissible purpose XXXX Retaining it violates FCRA 604 and damages my consumer profile by reporting activity that never occurred. Such inaccurate inquiries lower my score and create confusion in my file. I dispute this entry fully and demand its immediate deletion. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized, inaccurate, and harmful. I never applied for credit with XXXX XXXX XXXX, and they had no lawful right to access my credit report. Its continued presence misrepresents my financial behavior, reduces my score, and violates my rights under the FCRA. I request its deletion as it can not be validated. 

XXXX XXXX XX/XX/XXXX This inquiry was never approved by me and has no permissible purpose under the FCRA. I dispute its validity entirely, as I did not submit any application that would justify its presence. Reporting it is unlawful and misleading, causing unfair harm to my credit score. This inquiry must be removed immediately to restore accuracy to my report. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never provided consent for this inquiry, and I dispute its inclusion in my file. It is inaccurate and unlawful under FCRA 604 because it was not consumer-initiated. By allowing this inquiry to remain, you are misrepresenting my credit activity and harming my reputation. I demand deletion of this record at once. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized, inaccurate, and unlawful. I have no record of ever submitting an application with this creditor, and therefore no permissible purpose exists. Its continued reporting violates my rights under federal law and unfairly lowers my score. For compliance with the FCRA, this inquiry must be deleted immediately. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry has no lawful basis, as I never authorized it nor applied for credit with XXXX XXXX XXXX XXXX Its reporting is misleading to creditors and damaging to my credit profile. The FCRA does not allow agencies to report inquiries that can not be verified. I dispute this entry and demand its removal. 

XXXXXXXX XXXX XXXXXX/XX/XXXX I never gave XXXX XXXX permission to access my credit report. This inquiry is unauthorized and violates FCRA 604, which protects against impermissible use of consumer reports. Its presence misrepresents my credit history and harms my score. I request deletion of this inquiry in compliance with federal law. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and unlawful. I never initiated any credit application that would allow XXXX XXXX XXXX to access my file. Such reporting creates a false picture of my financial activity and reduces my score unfairly. The FCRA requires only accurate, verified information be reported, and this inquiry fails that requirement. It must be deleted. 

XXXX XXXXXX/XX/XXXX This inquiry was placed without my knowledge or consent, and I dispute it entirely. No legitimate application exists to justify this entry, and its presence misrepresents my credit activity. The FCRA prohibits unauthorized inquiries, and therefore this record must be deleted immediately. 

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

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