Consumer complaint received 2025-10-01 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:
Dear Consumer Financial Protection Bureau, I am filing this complaint to report serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by the credit reporting agencies and the furnishers of information listed below. Despite my rights under federal law, my credit file continues to contain inaccurate, unverifiable, and unauthorized information. These errors are causing significant harm to my creditworthiness and financial life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address is not mine and never has been. I have no connection to this location, never lived there, never applied for credit from there, and never received mail at this address. Continuing to report this as part of my file creates a false identity association which is a violation of FCRA XXXX ( b ) requiring maximum possible accuracy. The inclusion of wrong addresses can cause mixed files and identity confusion. I demand this address be permanently deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address also has no relation to me. It is completely inaccurate and unverifiable. FCRA XXXX requires reinvestigation when a consumer disputes information. Since there is no proof tying me to this address, it must be removed immediately. Keeping it on my report damages my personal and financial integrity and suggests potential identity theft. 
XXXX XXXX Acct : XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment I dispute the reported late payment. I have never been late on this account and always ensured timely payments. The late payment notation is completely inaccurate and misrepresents my payment history. FCRA XXXX requires furnishers of information to report accurately. This is a false negative mark on my credit and must be corrected immediately to reflect Pays As Agreed. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Status : Late Payment I dispute the late payment claim. This account shows a balance of {$0.00}, meaning there was no open obligation, so reporting me as late is factually impossible. This is a violation of FCRA XXXX requiring fair and accurate reporting. This account should either be corrected to show never late or deleted entirely if no proof of delinquency exists. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge of this charge-off account. I never opened or authorized this account, nor did I receive any statements or agreements showing my liability. Reporting a charge-off without my consent or contract is a direct violation of FDCPA XXXX ( a ) requiring verification of debts and FCRA XXXX regarding reinvestigation. This account must be deleted immediately. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was unauthorized. I never gave consent for this hard inquiry to be pulled. Under FCRA XXXX, a consumer reporting agency may only furnish reports with the consumers authorization or for a permissible purpose. This was neither. I demand immediate removal of this inquiry. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was also unauthorized. I did not apply for any credit with XXXX on this date, nor did I authorize this hard pull. Keeping this inquiry violates FCRA XXXX ( a ) ( XXXX ). This must be removed immediately to restore the accuracy of my credit file. 
Summary of Violations : Wrong addresses that do not belong to me ( FCRA XXXX ( b ), XXXX ). 
False and unverifiable late payments and charge-offs ( FCRA XXXX, FDCPA XXXX ). 
Unauthorized hard inquiries without my consent ( FCRA XXXX ). 
Relief Sought : I request the CFPB to take immediate action against the credit reporting agencies and furnishers for their repeated violations. Specifically, I demand : XXXX. Permanent deletion of all wrong addresses. 
XXXX. Correction or deletion of all inaccurate and unverifiable late payments and charge-off accounts. 
XXXX. Immediate removal of unauthorized hard inquiries. 
XXXX. Written confirmation of compliance within the investigation period. 
These errors have severely damaged my credit score, affected my ability to secure housing and credit, and caused unnecessary financial distress. I am requesting the CFPBs intervention to ensure compliance with federal law and the protection of my consumer rights.

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