Consumer complaint received 2025-08-23 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: NV

Complaint narrative:
I am filing this complaint because my credit report contains multiple errors including inaccurate personal information, unauthorized inquiries, and misreporting of accounts. These inaccuracies have severely impacted my credit standing, caused me stress, financial hardship, and denial of fair access to credit. Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I have the right to accurate reporting and protection against unfair practices. Despite my attempts to resolve these issues with the credit reporting agencies and furnishers, the accounts remain inaccurately reported and unauthorized inquiries remain on my file. I am requesting the CFPBs immediate assistance to enforce the law, investigate these violations, and ensure correction of my credit report. 
Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Wrong Address. 
Issue : This address does not belong to me, and it is being wrongly associated with my credit file.

Law : Under FCRA 609 ( a ) and 611, I have the right to accurate reporting and the right to dispute and demand removal of unverifiable information. Reporting an incorrect address without my consent violates my rights.

Story : The presence of this false address exposes me to potential identity theft, misrepresentation, and further credit inaccuracies. I have no connection with this property and request immediate deletion from my report. 
Late Payment Reporting XXXX XXXX XXXX XXXX | High Balance : {$250.00} | Date Opened : XX/XX/XXXX | Late Payment. 
Issue : This account is reporting late payments inaccurately and without sufficient verification.

Law : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate information. Reporting inaccurate late payments is a direct violation of this law. The FDCPA also prohibits false and misleading credit reporting.

Story : I have maintained responsibility with my financial obligations, and any late payment claims should be fully documented and verifiable. Without proof, this negative mark is unlawful and must be removed.

Unauthorized/Excessive Hard Inquiries The following inquiries were made without my knowledge, authorization, or legitimate business purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue XXXX These inquiries were not authorized by me, nor did I apply for credit with these entities. Many of them are duplicates, and excessive inquiries unfairly damage my credit score.

Law : FCRA 604 requires that inquiries can only be made with permissible purpose. Inquiries without my consent are unauthorized and unlawful. Furthermore, FCRA 616 and 617 hold credit reporting agencies and furnishers liable for damages caused by willful and negligent noncompliance.

Story : The large number of hard inquiries placed within a short period of time suggests possible identity theft, unauthorized access to my credit file, or negligent reporting practices by creditors. This has unfairly lowered my credit score and limited my ability to obtain fair credit terms.

These errors collectively show a systemic failure of both furnishers and credit reporting agencies to comply with federal law. The inaccurate late payment, the false address, and the numerous unauthorized inquiries create a misleading credit profile that is harming me financially and emotionally. This has resulted in denial of credit opportunities, higher interest rates, and unnecessary embarrassment when applying for financial services. The law is clear : under FCRA Section 609 I have the right to full disclosure and accuracy; under Section 611 I have the right to dispute and demand reinvestigation ; under Section 623 furnishers must correct and update inaccurate information. Additionally, the CFPB has the authority under the Dodd-Frank Act to take action against unfair, deceptive, or abusive acts or practices. I am requesting immediate investigation into these violations and for the removal of the wrong address, correction of the XXXX XXXX XXXX late payment, and deletion of all unauthorized inquiries. Failure to correct these violations would demonstrate continued noncompliance with federal law. I demand full enforcement of my consumer rights under the FCRA, FDCPA, and CFPB regulations.

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