Consumer complaint received 2025-07-28 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 formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS Law Issue : 15 usc 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy in consumer reports Story : i have never lived at this address nor have i used it in any credit or financial transaction its presence on my report is inaccurate and likely due to a file mix-up or reporting error by a third party the listing misrepresents my residency history and must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS Law Issue : 15 usc 1681c prohibits the reporting of inaccurate or obsolete personal identifying information Story : i do not recognize this address and have no affiliation with it it XXXX have been added due to a data entry mistake or mixed file with another consumer this inaccurate address could confuse lenders and impact my applications and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$1100.00} LATE PAYMENT * * Law Issue : 15 usc 1681s-2 and 1681i require creditors to report accurate information and credit bureaus to reinvestigate disputed data Story : this account shows a late payment that i never made i always paid this account on time and was never notified of any delinquency this negative reporting is incorrect and harms my credit score and credibility please verify with the furnisher and remove the late mark immediately if it can not be proven XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY Law Issue : 15 usc 1681b prohibits credit inquiries without consumer authorization or permissible purpose Story : i never applied for an auto loan or gave consent to XXXX  XXXX auto finance on or near this date this inquiry was made without my knowledge or permission and it violates my consumer rights it must be deleted immediately XXXXXXXX XXXX XXXXXX/XX/XXXX INQUIRY Law Issue : 15 usc 1681b requires prior consumer authorization for any credit inquiry Story : i did not apply for any service from pnc bank and this inquiry is unauthorized its presence lowers my credit score without a valid reason and i request that it be removed from my report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY Law Issue : 15 usc 1681b does not allow credit access without a legitimate business need initiated by the consumer Story : i did not give ally financial or any affiliated agency permission to pull my credit this inquiry was made in error or through misuse and should be immediately deleted to reflect accurate reporting XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY Law Issue : under 15 usc 1681b this inquiry is impermissible without prior consent Story : i have never sought any credit or service from global lending service this inquiry is unauthorized and has contributed to an unnecessary drop in my credit score and must be deleted XXXX XXXX XX/XX/XXXX INQUIRY Law Issue : 15 usc 1681b requires informed consent for credit access Story : i do not have any interaction with XXXX XXXX and did not authorize a credit pull the presence of this inquiry is harmful and inaccurate and must be removed from my credit profile XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY Law Issue : this inquiry lacks a permissible purpose and violates 15 usc 1681b Story : i never applied for credit with XXXX XXXX and this inquiry was not authorized this is a violation of my rights as a consumer and must be removed without delay XXXX XXXX XXXXXX/XX/XXXX INQUIRY Law Issue : unauthorized credit inquiries are prohibited under 15 usc 1681b Story : i do not recognize this company and never permitted this inquiry its inclusion is harmful and misleading and must be removed immediately from my file XXXX XXXX XX/XX/XXXX INQUIRY Law Issue : credit access without consent breaches 15 usc 1681b Story : i have no connection to XXXX XXXX or XXXX and never applied for financing through them this inquiry is incorrect and must be deleted to restore accuracy XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY Law Issue : 15 usc 1681b prohibits any credit pull without specific consumer authorization Story : i did not apply for credit with XXXX XXXX XXXX XXXXXXXX and this hard inquiry was unauthorized it is lowering my credit score and must be removed XXXX XXXX XXXX XX/XX/XXXX INQUIRY Law Issue : inquiry without prior consent is illegal under 15 usc 1681b Story : i never interacted with XXXX or requested any credit service from them i was not informed or notified about this inquiry and it must be deleted XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX INQUIRY Law Issue : 15 usc 1681b requires that all credit access be initiated by the consumer Story : this inquiry was done without my knowledge or request and i dispute its legitimacy it must be removed as i did not initiate any application with advantage credit XXXX XXXX XXXXXX/XX/XXXX INQUIRY Law Issue : 15 usc 1681b prohibits third-party access to credit without a valid purpose and permission Story : i did not apply for any credit card or account with XXXX XXXX  and this inquiry is harming my credit unfairly please remove it from all bureau reports These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under 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