Consumer complaint received 2025-07-24 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 ) against the credit reporting agencies for reporting inaccurate and unverifiable information on my consumer credit file which is causing significant harm to my financial well-being and reputation the items listed below include incorrect addresses late payment history and an unauthorized inquiry all of which I am disputing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) and I request immediate reinvestigation and correction of these issues. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law : FCRA 609 ( c ), 611 ( a ), 607 ( b ) Issue : This address is not associated with any valid or verifiable account of mine and appears inaccurately in my file Story : I have never lived at or been affiliated with this address. Including this location on my credit report creates confusion and raises red flags for potential creditors. It does not match my residency history, and its presence violates the accuracy requirements under the FCRA Instruction : Delete this address immediately as it is unverifiable and not tied to any legitimate credit obligation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law : FCRA 609 ( a ), 611 ( a ), 607 ( b ) Issue : Incorrect and unverifiable address appearing on my file without authorization or supporting documentation Story : I never authorized this address to be listed and it does not match any records or documents submitted by me. Retaining this address reflects negligent reporting by the furnishers or bureau Instruction : I demand that this address be removed from all versions of my credit report pursuant to my rights under federal law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Chargeoff * * Law : FCRA 611 ( a ), 609 ( a ), 602 ( A ), 607 ( b ) Issue : This charge-off is inaccurate, not validated, and not currently verifiable by the furnisher Story : I do not acknowledge this debt and have never received proper validation under the FDCPA. The account balance, date opened, and status are all questionable and inconsistent across reports. Continued reporting without validation violates my rights Instruction : Delete this account and provide full investigation results along with documentation used to verify this debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Chargeoff * * Law : FCRA 611, 609, FDCPA 809 ( b ) Issue : The balance and charge-off status were not properly validated and reporting remains unverified Story : I never received notification or verification for this debt and dispute its legitimacy. There is no supporting documentation tied to me and the entry is harming my credit standing Instruction : Permanently delete this tradeline and mail me a copy of the reinvestigation findings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Chargeoff * * Law : FCRA 607 ( b ), 611, FDCPA 809 ( b ) Issue : Incomplete and inaccurate information listed under this account Story : I have no recollection of this debt nor have I received legal notice or any billing statement regarding this account. The furnisher has failed to verify the information and can not prove accuracy Instruction : Delete this charge-off account from my report and provide all documents used during the reinvestigation process XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00} Chargeoff * * Law : FCRA 609 ( a ), 611, 607 ( b ) Issue : Unverified self-reported charge-off without proof or billing trail Story : I never agreed to self-reporting of any telecom account, nor was I informed of such arrangement. The balance appears inflated and is reported without my consent Instruction : Delete this unverifiable telecom entry and notify me of the bureaus investigation outcome XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$27.00} Chargeoff * * Law : FCRA 611 ( a ), 609 ( c ), FDCPA 809 ( b ) Issue : Unauthorized and inaccurate self-reported charge-off with no proper documentation Story : I do not recognize this account. No evidence has been provided to confirm this entrys origin or accuracy. It damages my report unjustly Instruction : Delete this entry permanently and provide full reinvestigation results XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law : FCRA 607 ( b ), 611, 609 Issue : Inaccurate charge-off for a zero balance account Story : Reporting a charge-off for an account with {$0.00} balance is factually incorrect and misleading. I dispute the validity and logic of this reporting practice Instruction : Delete this entry as it violates the principle of accurate reporting and federal regulation XXXXXXXX XXXX XXXXXXXX Reference # XXXX Bankruptcy Law : FCRA 609 ( a ), 611, 605 ( a ) ( 1 ) Issue : This bankruptcy case has inaccurate status and details, or it is not associated with me Story : I challenge the accuracy of this bankruptcy reference as I was not party to such a filing. If this is incorrectly linked to my identity, it must be removed immediately Instruction : Investigate and delete this bankruptcy record unless you can prove it is directly connected to my verified identity XXXXXXXX XXXX XX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 2 ), 609 ( a ) Issue : Inquiry appears without permissible purpose or prior notice Story : I have no existing or prospective relationship with this institution and never initiated a credit transaction with them Instruction : Remove this inquiry from my credit report and provide evidence of the reason and method used to place it XXXX  XXXX XXXX XX/XX/XXXX Inquiry Law : FCRA 604 ( a ), 611 Issue : Hard inquiry posted without my knowledge or consent Story : I did not authorize XXXX  XXXX XXXX to perform this inquiry, and I challenge the legitimacy and origin of the request Instruction : Delete this unauthorized inquiry immediately and issue a written explanation Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the 30-day timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and other legal channels including civil liability under 15 USC 1681n and 1681o.

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