Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 

Disputed Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Law : FCRA Section 602 ( A ) and 609 ( c ) ( 2 ) ( E ) Issue : This address is not mine and was never associated with my residence or financial activity Story : I have never lived at or used this address for any credit transaction and its presence on my report indicates a serious reporting error or potential identity confusion please remove this address from my credit file immediately Disputed Address : XXXX XXXX XXXX  XXXX XXXX, XXXX Law : FCRA Section 602 ( A ) and 609 ( c ) ( 2 ) ( E ) Issue : Inaccurate address reporting which can mislead creditors and affect creditworthiness Story : This address does not belong to me and its inclusion on my file is erroneous and misleading it must be deleted to ensure the accuracy of my credit report Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * Law : FCRA Section 611 and 623 ( a ) ( 1 ) ( A ) Issue : Duplicate chargeoff entries can cause double damage to credit score Story : This chargeoff is listed despite the account being closed and balance showing as {$0.00} this entry should be corrected or removed to reflect accurate financial status Disputed Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Chargeoff * * Law : FCRA Section 611 and 605 ( b ) Issue : Potential duplicate account reporting causing unfair negative impact Story : This appears to be a duplicate or re-aged version of a previous account please verify this entry and remove if found redundant or inaccurate under FCRA rules Disputed Account : XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Status : Chargeoff * * Law : FCRA Section 607 ( b ) and 611 Issue : Large chargeoff listed without updated investigation or validation Story : This account was impacted by financial hardship and I am requesting full verification and proof of accuracy or otherwise request immediate deletion or correction under FCRA Disputed Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment * * Law : FCRA Section 623 ( a ) ( 1 ) ( A ) Issue : Inaccurate late payment reported on an account with {$0.00} balance Story : This government-related account shows zero balance and should not report late payments if settled or no payment was due reporting such is misleading and must be corrected Disputed Inquiry : CARMAX Date : XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ) Issue : Unauthorized inquiry affecting credit score Story : I did not authorize this inquiry or submit any credit application to XXXX at the time this hard inquiry should be deleted as it was not made with my consent I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

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