Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains multiple inaccuracies that are damaging my credit profile, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). I have disputed these items with the credit bureaus but they have failed to properly investigate and correct the errors as required under FCRA 602, 609, 611, and 623. These inaccuracies are causing financial harm, denial of credit opportunities, and emotional distress, and I am seeking immediate reinvestigation and correction through the CFPBs oversight and enforcement. 

ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address has nothing to do with me and never has at any point in my life. I have never signed a lease, never had utilities, never received mail, and never applied for credit using this location. Reporting this address misrepresents my identity and creates a misleading credit profile in violation of FCRA 607 ( b ). You are required to verify with original source documentation as outlined under FCRA 611 ( a ) ( 1 ) and delete immediately if you can not verify. The continued appearance of this wrong address after multiple disputes shows failure to conduct a reasonable reinvestigation. This error harms my creditworthiness, misleads lenders, and violates my right to accurate reporting. I am demanding permanent deletion of this unverifiable address. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This address is not mine and never has been. I have proof of residence at a different address during the time this is allegedly connected to me. Keeping this on my file after multiple disputes is a clear violation of FCRA 607 ( b ) and failure to conduct a proper reinvestigation under FCRA 611 ( a ) ( 1 ). This wrong address is damaging my ability to maintain accurate credit history and creates a risk of mistaken identity. If you can not provide actual verifiable proof linking me to this address, it must be deleted permanently. Continued reporting of this item will be treated as willful noncompliance under FCRA 616 and 617. 

ACCOUNTS XXXX XXXX ENFORCEM # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * This account is being reported as a charge-off despite showing a {$0.00} balance, which is misleading, inaccurate, and violates FCRA 15 U.S.C. 1681e ( b ) because the information being reported must be accurate and not create a negative or false impression about the consumer. Continued reporting of a charge-off with no balance suggests an unpaid debt, which harms my creditworthiness unfairly. I am demanding that this item be corrected to reflect its true and complete status or be removed entirely if you can not verify its accuracy with original documentation from the furnisher. I have not received any proof that this account is being reported correctly despite prior disputes. Under 15 U.S.C. 1681i ( a ), you must conduct a proper reinvestigation and provide me with results. Any failure to do so may result in legal action. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | High Credit : {$10000.00} | Late Payments * * This account is being reported with late payments that I fully dispute as inaccurate. Under 15 U.S.C. 1681s-2 ( a ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I have repeatedly requested verification of these alleged late payments, and no documentation has been provided that proves they are correct. Continuing to report this item without proper proof after multiple disputes violates my rights and fails the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). I am demanding that all late payment notations be removed immediately or that you provide full documentation from the original creditor, including payment history and account records, proving the accuracy of the late payment reporting. 

INQUIRIES XXXX XXXX XXXX XXXX - XX/XX/XXXX I never gave XXXX XXXX XXXX XXXX permission to access my credit file on this date, and no credit application was submitted to them. Under FCRA 604 ( a ), a consumer report may only be accessed for specific permissible purposes, none of which apply here. This inquiry is lowering my credit score and harming my ability to obtain credit at fair terms. The continued reporting of this inquiry after multiple disputes shows failure to maintain maximum possible accuracy under 607 ( b ). You are required to verify with the data furnisher whether written authorization exists and provide me proof in writing. If this inquiry can not be fully verified with permissible purpose, you must delete it under 611 ( a ). Failure to remove this will be treated as willful noncompliance under 616, which allows for actual and statutory damages up to {$1000.00} per violation. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was made without my authorization, and I did not seek credit or services from XXXX XXXX on or near this date. Under 604 ( a ) ( 2 ), you are required to ensure inquiries are made with written consent or legitimate business need. I have disputed this item before, and you failed to provide documentation proving permissible purpose. This is a violation of my rights under 611 ( a ), as you must conduct a reasonable reinvestigation. Each day this remains on my report I am subjected to harm through reduced creditworthiness and potential loan denials. I demand deletion of this inquiry or the full signed application proving my consent. If you can not verify this, your continued reporting will be considered negligent or willful noncompliance under 616 and 617. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I have no relationship with XXXXXXXX XXXX  and did not authorize this inquiry. FCRA 604 strictly limits access to my credit file to permissible purposes such as my own credit application, court order, or written consent. You have failed to provide verification of permissible purpose despite previous disputes, violating 611 ( a ). This inquiry is causing ongoing harm, including lowering my score and creating false risk indicators. Under 607 ( b ), you must ensure that all information is accurate and complete, which this is not. You must delete this inquiry immediately if you can not provide documentation of a permissible purpose. Continued reporting after this fifth dispute may subject you to liability under 616. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit or authorized XXXX XXXX XXXX to access my credit report. This inquiry is unverifiable and lacks permissible purpose under 604 ( a ). You must confirm with the furnisher whether they have a signed application or other authorization and provide proof. Failure to provide proof of permissible purpose constitutes violation of 611 ( a ). This inquiry is harming my credit profile and my ability to access financial opportunities. You must delete it or face a claim for willful noncompliance under 616, which allows recovery for damages and attorneys fees. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX has no permissible reason to pull my credit report on this date because I did not initiate a credit request. Under 604 ( a ) ( 3 ) ( A ), permissible purpose must be tied to a credit transaction initiated by the consumer, which did not happen here. This is an inaccurate and harmful inquiry, and you are violating 607 ( b ) by reporting it without maximum possible accuracy. I have disputed this before, and your failure to provide documentation shows you are not meeting the reinvestigation requirements under 611 ( a ). I demand deletion and written confirmation of removal. 

XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry is being reported inaccurately and was never authorized by me. I did not submit any credit application with XXXX XXXX XXXXXXXX on this date, so there was no permissible purpose under FCRA 604 ( a ). You are legally obligated to verify the source and provide me with documentation under FCRA 609 that proves I consented to this inquiry. Without verification, you must delete this inquiry from my credit report under FCRA 611 ( a ) ( 5 ). This is now the fifth time I have brought this to your attention, and continued reporting of unverifiable data is considered willful noncompliance under FCRA 616 and 617. The presence of this inquiry lowers my credit score and negatively impacts my financial reputation. I expect a full written explanation of the verification process used and immediate deletion if proof can not be produced. Failure to act within the 30-day reinvestigation period will result in a complaint to the CFPB and possible legal action. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized and inaccurate. There is no record of me applying for credit with XXXX XXXX XXXX XXXX on this date. I am demanding verification under FCRA 609 and expect you to provide proof of my consent or signed application. If you can not verify, FCRA 611 ( a ) ( 5 ) requires you to delete this inquiry. I have already disputed this multiple times and failure to correct it now is considered willful neglect under FCRA 616. Each day this inquiry remains on my report it damages my creditworthiness and gives a false impression of my credit activity. This is my fifth dispute and I am giving you one final opportunity to correct this matter before escalating it further. Continued reporting of unverifiable information is unlawful and will be met with a formal CFPB complaint and legal remedies if necessary. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and no permissible purpose under FCRA 604 ( a ) was met at the time of the pull. I never applied for an auto loan with XXXX XXXX  on this date. I have the right to request verification under FCRA 609 and the credit bureau must provide the signed application or electronic consent proving this inquiry was authorized. Reporting unverified inquiries harms my credit profile by lowering my score unfairly and can affect my ability to obtain credit, housing, and insurance. Under FCRA 607 ( b ) you are required to maintain maximum possible accuracy and must correct or delete information that can not be verified. This is now my fifth dispute and continued reporting without providing proof can be considered willful noncompliance under FCRA 616 and 617. I am requesting you to reinvestigate properly and provide documentation of my consent or delete this inquiry completely from my file. If you can not verify, you must delete under FCRA 611 ( a ) ( 5 ). 

XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry is inaccurate and unverified because I did not seek credit from XXXX XXXX  on this date. There is no permissible purpose under FCRA 604 ( a ) ( 2 ) for this inquiry to appear. I am exercising my right under FCRA 609 to request disclosure of the documents you used to verify this inquiry. This is the fifth time I am disputing this item, and you are required by law to perform a reasonable reinvestigation as per FCRA 611. If you can not provide proof of my consent, you must delete this inquiry immediately. Repeatedly reporting inaccurate information after being notified multiple times shows negligent noncompliance and could be considered willful. This damages my credit profile and causes me financial harm by unfairly reducing my score. It is your duty to maintain accurate credit files under FCRA 607 ( b ). 

XXXX XXXX XXXX XX/XX/XXXX I never applied for credit with XXXX XXXX XXXX on this date, making this inquiry unauthorized. You are legally required under FCRA 609 to provide me with evidence of my authorization such as a signed credit application or digital consent record. The presence of this inquiry is harming my creditworthiness and affects my ability to obtain favorable credit terms. This is my fifth request and you have an obligation under FCRA 611 to conduct a full reinvestigation and correct or delete unverifiable information. If no documentation is produced, this inquiry must be deleted immediately under FCRA 611 ( a ) ( 5 ). Continued reporting without proper verification shows failure to follow federal law and is a violation of my rights as a consumer. Inaccurate inquiries create misleading information on my report and violate FCRA 607 ( b ) which mandates maximum possible accuracy. I expect immediate action to correct this error and a full explanation in writing of the steps taken to verify this item. 

XXXX XXXX XX/XX/XXXX This inquiry is both unauthorized and appears to be a duplicate of other auto-related inquiries on the same date. I did not consent to this hard inquiry, and you are required by law under FCRA 609 to show proof that I applied for credit with XXXX XXXX. Multiple inquiries of this nature damage my score by making it appear that I am aggressively seeking credit when that is not the case. You must conduct a proper reinvestigation under FCRA 611 and delete this inquiry if it can not be verified. Reporting multiple auto inquiries without documentation of consent is considered negligent and may rise to willful noncompliance under FCRA 616. I demand that you provide me with copies of the signed application or proof of permissible purpose or remove this item. The continued presence of unverifiable data on my credit file is unacceptable and causes real financial harm. I reserve the right to file a complaint with the CFPB if this is not corrected promptly. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized and has been disputed multiple times. Under FCRA 604 there must be a permissible purpose for every hard inquiry, which you have not proven. I am requesting verification under FCRA 609 and a full reinvestigation under FCRA 611. The credit bureau must either provide proof of my consent or delete this inquiry completely. Each time this inquiry remains it continues to lower my credit score unfairly, which affects my financial opportunities. Reporting unverifiable data after repeated disputes is considered willful neglect under FCRA 616 and subjects you to potential liability. It is your duty to maintain accurate and fair credit reporting under FCRA 607 ( b ). I demand immediate deletion if no proof is available. If this issue is not resolved I will escalate this matter to federal regulators and consider legal remedies to protect my consumer rights. 

XXXX XXXX XXXXXXXX XX/XX/XXXX I did not apply for credit with XXXX  XXXX XXXX on this date, making this inquiry inaccurate and unauthorized. Under FCRA 609 I have the right to receive the documentation used to verify this inquiry. You are required to provide evidence of my consent or delete this inquiry under FCRA 611 ( a ) ( 5 ). Reporting inaccurate inquiries after multiple disputes shows negligent reinvestigation which is a violation of federal law. The continued presence of this item lowers my credit score and causes harm to my credit profile. This is the fifth time I am disputing this inquiry and you are obligated to perform a reasonable investigation and respond in writing with your results. Failure to verify and correct violates FCRA 607 ( b ) and may be considered willful noncompliance under FCRA 616 and 617. I expect immediate resolution and removal of this item if you can not verify its accuracy with proper documentation. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized and has been disputed previously. Under FCRA 604 ( a ) there must be a permissible purpose for every hard inquiry, which you have failed to provide. I demand proof of my signed consent under FCRA 609 or deletion under FCRA 611. The presence of this inquiry lowers my score unfairly and misrepresents my credit-seeking activity. Failure to investigate and correct is a violation of FCRA 607 ( b ) which requires maximum possible accuracy. This is my fifth notice and continued reporting of unverifiable data constitutes willful noncompliance under FCRA 616 and 617. You must provide written proof of authorization or remove this inquiry immediately. If this matter is not resolved, I will have no choice but to escalate this complaint to the CFPB for further enforcement action. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and not authorized by me. I have never applied for credit with XXXX XXXX and there is no permissible purpose under FCRA 604 ( a ) for this hard inquiry. You are required under FCRA 611 to reinvestigate and delete unverifiable information. I also have the right under FCRA 609 to receive the documentation used to verify this inquiry, which you have failed to provide despite multiple requests. The continued reporting of this item damages my creditworthiness and violates the requirement of maximum possible accuracy under FCRA 607 ( b ). This is now my fifth dispute and failure to correct may be treated as willful neglect. I demand immediate deletion of this inquiry if you can not verify it with documented proof. If this matter remains unresolved, I will escalate this case to the CFPB and seek legal remedies if necessary.

I respectfully request that the CFPB enforce compliance with the FCRA and hold the credit bureaus and furnishers accountable for their failure to maintain accurate information, properly reinvestigate disputes, and protect my privacy. I want all inaccurate addresses, inquiries, and unverifiable late payments removed from my credit report to restore my credit profile and prevent further harm.

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