Consumer complaint received 2025-09-26 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:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, false reporting, and unauthorized activity being reported on my credit profile by the credit reporting agencies. These issues have caused severe harm to my financial reputation, denial of credit opportunities, and unnecessary stress. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate, fair, and verified reporting of my credit history. I am demanding a thorough investigation and immediate corrective action on the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not associated with me in any way. Its presence on my credit report is inaccurate and misleading, violating FCRA Section 611 ( 15 U.S.C. 1681i ), which requires that information reported be accurate and verifiable. Immediate deletion is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have no affiliation with this location. The reporting of this address is inaccurate, misleading, and potentially harmful. I request its immediate removal. 
XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment designation for this account. I have consistently made payments on time and have no record of delinquency. Misreporting of payment history is a violation of FCRA 1681s-2 ( b ), which requires accurate account reporting. I demand correction of the payment history to reflect timely payments. 
XXXX XXXX High Balance : {$60.00} Date Opened : XX/XX/XXXX Late Payment I have never made late payments on this account. The reporting of late payment status is false and damaging to my credit profile. I request immediate correction to accurately reflect my payment history in compliance with FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not authorized by me. Under FCRA 604 ( 15 U.S.C. 1681b ), my consent is required for any hard inquiry. I demand this unauthorized inquiry be removed immediately from my credit file. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not authorized by me. I request its immediate deletion. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Remove immediately. 
Conclusion and Demand for Action I request that the CFPB require the credit reporting agencies and furnishers to comply with federal law by correcting or deleting these inaccurate items. Wrong addresses must be deleted, false late payment histories must be corrected, and all unauthorized inquiries must be removed immediately. 
If these violations are not corrected within the required 30-day investigation period under FCRA 611, I reserve my right to pursue further action, including escalation to the Federal Trade Commission ( FTC ) , state Attorney General, and possible civil litigation for damages under FCRA 616 and 617. 
I expect a written confirmation of the results of your investigation and the corrective action taken.

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