Consumer complaint received 2025-07-12 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 submitting this formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies. 
Address : XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX Law Issue : FCRA 1681e ( b ) requires consumer reporting agencies to maintain maximum possible accuracy.

Story : This address does not belong to me and is inaccurately reported on my file. I have never resided at or been associated with this location, and its presence is damaging my credibility. 
Address : XXXX XXXX XXXX XXXX, NV XXXX Law Issue : FCRA 1681c ( f ) prohibits obsolete or incorrect personal identifiers.

Story : This PO Box does not belong to me. I have not used it and request its deletion as it can lead to misassociation of accounts. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Issue : FCRA 1681s-2 mandates data furnishers report accurately.

Story : This late payment is inaccurate. I was never late on this account, and no evidence has been provided to prove otherwise. I demand full reinvestigation and removal. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Issue : FCRA 1681i ( a ) Right to dispute any inaccurate item.

Story : The late payment reported is incorrect. I was in communication with the creditor during the alleged delinquency and was assured I would not be penalized. This negative mark is unjust and harmful. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits reporting false information knowingly.

Story : This late payment was due to technical issues and was resolved swiftly. The creditor failed to correct this despite proof of resolution. I demand deletion based on inaccuracy. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX ) XXXX XXXX Law Issue : FCRA 1681e ( b ) Inaccurate payment histories are prohibited.

Story : This account shows a {$0.00} balance and still reflects late payments, which is contradictory. If paid off, no delinquency should persist. This harms my score unjustly. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law Issue : FCRA 1681s-2 ( b ) Furnishers must investigate disputed information.

Story : The late payment is being reported despite no supporting billing evidence. I never received notice or opportunity to correct this. This inaccurate reporting must be removed. 
Account : XXXX XXXXXXXX Law Issue : FCRA 623 ( a ) ( 2 ) Duty to correct and update inaccurate information. 
Story : This account is closed with a {$0.00} balance yet reflects a late payment. That is misleading and not reflective of current status. Delete or correct immediately. 
Account : XXXX XXXXXXXX XXXX Law Issue : FCRA 1681i Obligation to reinvestigate disputed info.

Story : This charge-off was never communicated to me properly. No notices or collection warnings were sent. This violates my right to know and challenge the debt before reporting. 
Account : XXXX XXXX XXXX Law Issue : FCRA 1681c ( a ) Only complete and verified data should appear.

Story : I never authorized or recognized this account. The charge-off is unsupported and unverifiable. Remove this entry entirely. 
Inquiry : XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 Permissible purpose required for hard inquiries.

Story : I never authorized this pull. This inquiry harmed my credit and must be removed as unauthorized. 
Inquiry : XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 ( a ) ( 3 ) requires consumer permission for inquiries. 
Story : I did not apply for credit with XXXX XXXX. This inquiry is a violation of my privacy and should be deleted. 
Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Inquiries must be permissible.

Story : No credit request was made by me to this entity. This hard pull violates FCRA provisions. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 Inquiry must be consumer-initiated. 
Story : I did not initiate any credit with XXXX. This was pulled without consent and must be removed. 
Inquiry : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Unpermitted access to credit file. 
Story : I never gave authorization. This hard pull is harming my score. 
Inquiry : XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 No proof of consent or application.

Story : This inquiry is invalid and unauthorized by me. Remove immediately. 
Inquiry : XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Requires documented authorization. 
Story : I never applied for credit from this company. This inquiry is a breach of my privacy. 
Inquiry : XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 Must have legitimate permissible purpose.

Story : No transaction or application exists. Please delete this unauthorized access. 
Inquiry : XXXX XX/XX/XXXX XXXX XXXX : FCRA 604 Inquiries must be consumer-initiated. 
Story : I have no knowledge of this inquiry and did not give permission. 
Inquiry : XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 Requires consumer consent.

Story : This inquiry was unauthorized and unapproved. 
Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Unauthorized use of my credit report. 
Story : I never applied for credit with this business. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 Invalid inquiry. 
Story : Duplicate and unauthorized pull, must be removed. 
Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 No permissible purpose provided.

Story : This is a repeated and unauthorized credit access. 
Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Inquiry requires consent. 
Story : I never gave permission for this inquiry. 
Inquiry : XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Inquiries must be consent-based.

Story : This was done without my approval and is harming my credit score.

Inquiry : XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Requires a valid credit transaction. 
Story : I was not involved in any such credit request. 
Inquiry : XXXX XXXXXXXX XX/XX/XXXX Law Issue : FCRA 604 No authorization on file. 
Story : I did not approve this inquiry and want it removed. 
Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Inquiry lacks proper consent.

Story : This inquiry is unauthorized and misleading. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 Unapproved credit inquiry. 
Story : I have no relationship with this company and did not initiate this inquiry. 
These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections 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