Consumer complaint received 2025-10-31 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:
I am submitting this formal complaint regarding the reporting of inaccurate information on my consumer credit file, which has caused damage to my credit reputation and financial stability. The following address, accounts, and inquiries appear on my credit report without proper verification or authorization. I request an immediate investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX This address is inaccurate and must be deleted immediately. I have no valid or verifiable association with this residence during any period related to the accounts being reported. Under FCRA Section 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Maintaining false identifying information is a direct violation of this law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account reflects an alleged late payment, yet the balance is reported as {$0.00} and the account was closed with no active delinquency. Reporting a late payment after the account was closed and paid in full is inaccurate and misleading. Under FCRA Section 602 ( A ) ( 1 ) and Section 607 ( b ), you are required to report only verified and complete data. The furnisher failed to validate this information as required under Section 623 ( a ) ( 1 ) ( A ), and continuing to report such errors misrepresents my creditworthiness. I demand deletion or correction. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Collection * * This account was never authorized by me, and I have no contractual relationship with XXXX XXXX XXXX for the account number listed. No signed agreement, billing record, or verification has been provided. According to FCRA Section 611 ( a ) ( 5 ) ( A ), unverifiable accounts must be deleted from the consumers file. The Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 8 ) prohibits reporting false credit information. This entry must be permanently removed as it can not be substantiated. 

XXXX XXXX NA XX/XX/XXXX Inquiry Unauthorized hard inquiry. I did not apply for any product or service that would justify XXXX XXXX accessing my credit report. Under FCRA Section XXXX ( a ), a permissible purpose is required for any credit inquiry. This violation demonstrates negligent handling of consumer data, and the inquiry must be removed. 

XXXX XX/XX/XXXX XXXX This inquiry was not authorized. I have no active or recent credit application with XXXX or XXXX. Retaining such inquiries impacts my credit standing unfairly and violates FCRA XXXX XXXX and Section XXXX ( b ) regarding accuracy and verification. Delete immediately. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I never submitted any credit application to XXXX XXXX XXXX. This inquiry lacks permissible purpose under the FCRA and was pulled without consent. This is an invasion of privacy and a violation of Section XXXX ( a ) ( XXXX ). XXXX deletion is required. 

XXXX MORTGAGE XXXX XX/XX/XXXX Inquiry Duplicate and unauthorized inquiry. Reporting this without written authorization violates FCRA Section XXXX ( a ). This repeated credit pull is evidence of noncompliance with consumer protection laws and should be deleted. 

XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry. I never had any application or credit transaction with XXXX XXXX. No permissible purpose exists under FCRA Section XXXX ( a ). This inquiry must be deleted immediately. 

XXXX XXXX XX/XX/XXXX XXXX This repeated inquiry from the same entity without authorization demonstrates reckless disregard for consumer rights. Under FCRA Section XXXX and XXXX ( b ), such unauthorized actions constitute misuse of consumer information. Delete permanently. 

XXXX XXXX XX/XX/XXXX XXXX This inquiry was done without permissible purpose or consent. I have no record of applying for credit or services with this entity. FCRA Section XXXX prohibits such unauthorized access. Delete this from my credit report. 

XXXX OF XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry by Bank XXXX XXXX. I did not apply for any product or credit account. Under FCRA Section XXXX ( a ) ( XXXX ) ( A ), this constitutes an illegal credit pull and must be removed immediately. 

Under FCRA XXXX and XXXX, I am requesting a thorough reinvestigation of each item mentioned above, deletion of any unverifiable or inaccurate information, and confirmation in writing once corrections are completed. The continued reporting of such information after notice of dispute is a willful violation of federal law and subjects the responsible parties to liability under FCRA XXXX and XXXX. 
I respectfully request that CFPB intervene to ensure compliance, accountability, and proper correction of these inaccurate and unauthorized entries that have caused me undue harm.

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