Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains inaccurate and unverifiable information that violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other consumer protection laws. I have previously disputed these items directly with the credit bureaus, but they failed to properly investigate, reinvestigate, and correct the errors. These continued inaccuracies are causing me harm, including credit denials and emotional distress, which is why I am escalating this matter to the CFPB for enforcement and correction. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address is being reported as associated with me, but I have never lived at this location and have no lease, utility bill, or employment record connecting me to it. Reporting this incorrect address places me at risk of being linked to accounts, inquiries, or public records that are not mine. FCRA 15 U.S.C. 1681e ( b ) clearly requires you to ensure maximum possible accuracy in consumer reports, which you have failed to do. I have disputed this address multiple times, yet it remains, which shows that no reasonable reinvestigation has been conducted as required by FCRA 1681i ( a ) ( 1 ). If you continue reporting this address without providing certified documentation from the original source that proves residency, you are knowingly publishing false information. Maintaining an incorrect address on my credit file violates my rights, lowers my creditworthiness, and causes harm by suggesting a possible identity link to someone else. This is a serious compliance issue, and I demand its immediate deletion. Provide me with the name, address, and contact information of the furnisher that verified this address so that I may pursue further remedies if needed. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * You are reporting this account as a charge-off even though the balance is {$0.00}, which can not legally be charged off. A charge-off with no balance implies a collectible debt when there is none, which is a violation of FCRA 1681e ( b ) ( maximum possible accuracy ). I have disputed this account twice and no documentation proving a default, delinquency dates, or ownership has been provided. Your duty under 1681i ( a ) ( 2 ) is to forward my dispute to the furnisher and delete if not verified within 30 days. Reporting a closed, paid, or {$0.00} account as derogatory is unlawful and severely impacts my creditworthiness by lowering my score and suggesting I am a higher risk consumer. This account must either be fully validated with documentation from XXXX XXXX or permanently deleted. 

XXXX XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This is a duplicate reporting of the previous XXXX CARD account, which causes double harm by showing XXXX negative accounts for what is likely XXXX obligation. Duplicate reporting violates FCRA XXXX ( b ) because it fails to maintain maximum possible accuracy and unfairly penalizes me twice for a single account event. A reasonable reinvestigation would have revealed that this is either the same account or that there is no new verifiable debt. You must delete this duplicate or provide original creditor documentation showing XXXX separate account agreements, payment histories, and charge-off details. Continued duplicate reporting constitutes negligent noncompliance under XXXX and willful violation under XXXX, opening you up to statutory damages and attorney fees. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX : {$13000.00} * * This is being reported as a charge-off with a significant balance, but you have failed to provide any documentation proving that this debt is accurate, collectible, and reported with correct amounts. Under FCRA XXXX ( a ) ( XXXX ), you must provide me with the results of your investigation and the source of verification. FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Without a signed agreement, itemized statement, and proof of charge-off date, this account remains unverifiable. Its presence on my file continues to cause severe harm by inflating my utilization and creating the false impression that I am delinquent on a large balance. You must either provide full documentation or delete this account entirely. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This account is being reported with a late payment even though the balance is {$0.00}. Reporting a late payment on an account with no outstanding amount is misleading, inaccurate, and violates FCRA XXXX ( b ). You are required to maintain accurate information and remove outdated or unverifiable data. If you can not provide documentation showing that a delinquency actually occurred within the permissible reporting period under FCRA XXXX ( a ) ( XXXX ), you must delete this negative information. Continued reporting of an outdated or unverifiable late payment damages my credit profile and is considered negligent noncompliance. 

INQUIRIES : XXXX XXXX NA XX/XX/XXXX This inquiry was not authorized by me and there is no record of my consent or credit application. FCRA XXXX XXXX. XXXX strictly limits who XXXX access my credit report and for what purpose. This inquiry lowers my score and unfairly portrays me as credit-seeking. You must provide written documentation of my signed authorization or delete this inquiry immediately. 

XXXX XX/XX/XXXX This inquiry is unauthorized and unlawful under FCRA XXXX. I have no record of requesting financing or credit from XXXX. Hard inquiries negatively affect my XXXX XXXX, and this one must be removed immediately or proper authorization must be produced as proof. 

ALLY FINANCIAL XX/XX/XXXX I have no credit application or active relationship with Ally Financial and never authorized this inquiry. Under FCRA XXXX, you must have a permissible purpose, which is missing here. This unauthorized pull must be deleted to prevent further harm to my credit standing. 

NOWCOM/WESTLAKE FINANC XX/XX/XXXX I never applied for credit through XXXX XXXX and never authorized this inquiry. FCRA XXXX requires a permissible purpose for obtaining my consumer report. Remove this inquiry immediately or provide full documentation of authorization, otherwise it is a willful violation. 

XXXX NEVADA CREDIT XXXX XX/XX/XXXX This inquiry was done without my permission and has no permissible purpose under federal law. I did not submit any credit application or initiate any transaction with XXXX Nevada XXXX XXXX. This must be deleted immediately to comply with FCRA and to restore accuracy to my file. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I have no connection with this institution and never gave consent for them to access my credit. This inquiry was done without a permissible purpose and violates FCRA XXXX. You are required to delete this inquiry unless you can provide documented proof of my authorization. 

I am asking the CFPB to investigate these violations, compel the credit bureaus and furnishers to correct or delete this inaccurate information, and ensure compliance with all applicable provisions of the FCRA and related regulations. Failure to act on these disputes continues to harm me financially and emotionally, and I expect a full resolution as provided by federal law.

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