Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Issue : This address is inaccurately listed on my credit file. 
Law : Under the Fair Credit Reporting Act ( FCRA ) Section 602 A, every consumer has the right to accurate information reported.

Story : I have never lived or received mail at this address. Its presence on my report is incorrect and possibly the result of mixed or merged files. This must be permanently removed from all reporting systems. 

ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Issue : Inaccurate late payment being reported. 
Law : Under FCRA Section 607 ( b ), all information must be verified and reported with maximum accuracy.

Story : I dispute this entry as I was never late on this account. This negative item is unjustly harming my profile. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Charged off account being reported incorrectly. 
Law : FCRA Section 611 ( a ) grants me the right to dispute inaccurate data.

Story : This account is not mine or has been paid off or settled. I request full documentation including signed agreement and payment history or full deletion. 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Incorrect late payment reported. 
Law : FCRA Section 602 ensures consumer protection from unfair credit damage.

Story : I was never late on this account. Please reinvestigate and correct this damaging inaccuracy. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Late payment reporting is inaccurate. 
Law : As per FCRA Section 611, I have the right to dispute any information I believe is incorrect.

Story : This record is harming my profile and I do not recognize any delinquency. Please verify or delete. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$570.00} Date Opened : XX/XX/XXXX Issue : False late payment reported. 
Law : FCRA Section 607 ( b ) requires accurate and up-to-date information.

Story : I only recently opened this account and was never late. This is a reporting error that needs immediate correction. 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Late payment is inaccurately shown.

Law : FCRA Section 611 ensures my right to dispute false items.

Story : I have no record of delinquency on this account. This is either misreported or mixed with another file. Please verify and correct. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX Issue : Inaccurate late payment record. 
Law : FCRA Section 602 requires data accuracy. 
Story : I was not late on this loan. The report is harming my XXXX XXXX and must be reinvestigated or deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Wrongfully reported as delinquent. 
Law : Under FCRA Section 609, I request verification documents including the payment ledger.

Story : I dispute the validity of this late payment. I demand full proof or deletion of this account from my record. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Issue : False late payment appearing. 
Law : FCRA Section 611 allows me to demand proper reinvestigation.

Story : I was always on time for this account. This incorrect reporting is causing unjustified harm to my credit. 

INQUIRY XXXX XXXX XXXX  XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA Section 604 requires permissible purpose for all inquiries.

Story : I did not authorize this inquiry and have no account activity with this institution at the time. This is a violation of my rights and must be removed. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX Issue : Hard inquiry made without my permission. 
Law : Under FCRA Section 604 ( a ) ( 3 ), only authorized access is permitted.

Story : I never applied for credit with this company at that time. I request this inquiry be deleted immediately.

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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