Consumer complaint received 2025-10-08 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:
This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information being reported on my credit report by various entities, including an incorrect address and misreported account status. The inaccurate information is negatively impacting my creditworthiness and constitutes a violation of federal law, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that consumer reporting agencies maintain accurate and complete information, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which prohibits misleading or false representations regarding consumer debt. I request the CFPB to investigate these matters and ensure that my credit report reflects accurate information, removing or correcting all discrepancies. 

Address : XXXX XXXX XXXX XXXX, CA XXXX This address has never been associated with me in any capacity. According to FCRA Section 609 ( a ) ( 1 ), I have the right to request disclosure of all information in my file and verify its accuracy. The reporting of this address is misleading, false, and has negatively impacted my credit profile. I have never lived, received mail, or conducted any financial transaction at this location. Under FCRA Section 611 ( a ) ( 1 ), any information that can not be verified must be removed. The inclusion of this address represents an unauthorized reporting that affects my credit scoring and credibility. I demand that this incorrect address be deleted immediately. Continuing to report this information without verification violates my consumer rights and constitutes a federal violation. The reporting agency must investigate and provide proof that this address is valid, which is impossible as it is unrelated to me. Removing this address is essential to ensure that my credit report accurately reflects my history. Persistent errors like this can lead to credit denials, higher interest rates, and reputational damage. I request written confirmation once the deletion is completed and all references to this address are removed from my file. This error undermines the integrity of my credit report and must be corrected under federal law. 

Address : XXXX XXXX XXXX, FL XXXX This address is inaccurately reported on my credit file. I have never resided at, received correspondence from, or conducted any financial activity associated with this location. Under FCRA Section 611 ( a ) ( 1 ), credit bureaus must investigate disputed information and remove unverifiable or false entries. The continued reporting of this address is misleading and negatively affects my creditworthiness. The bureau must provide documented proof of this addresss validity, which I assert does not exist. Reporting this information violates my rights as a consumer and could influence lenders decisions unfairly. I demand that this address be permanently removed to restore the accuracy of my credit report. Incorrect addresses can trigger unauthorized account issues, fraud alerts, or mistaken identity problems. Ensuring the removal of this address is critical to protecting my financial integrity. I request written confirmation of deletion and the results of the reinvestigation. Failure to remove unverifiable information constitutes a violation of federal law. Continued reporting of this incorrect address undermines the credibility of my credit profile and must be corrected immediately. 

Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Late Payment * * This account inaccurately reports late payments that I never incurred. According to FCRA Section 611 ( a ) ( 1 ) ( A ), the credit bureau must conduct a reasonable investigation and remove any unverifiable information. I have consistently made timely payments on this account, and any reported delinquencies are false. The inclusion of these late payments is misleading, damaging my credit score and impacting my financial credibility. I have records and documentation proving the accuracy of my payment history. Under FCRA Section 623 ( a ) ( 8 ), furnishers must report complete and accurate information. The bureau is obligated to verify each reported item, and failure to do so violates federal law. I demand removal of all false late payment information. Incorrect reporting misleads lenders, increases borrowing costs, and can prevent access to essential credit products. I expect written confirmation of the deletion and verification of all disputed entries. Unverified or false reports on this account violate my consumer rights and must be corrected immediately. Continued reporting of these inaccuracies represents a clear breach of the FCRA. The bureau must ensure that my credit report reflects my accurate payment history. I request a comprehensive review and permanent removal of all unverifiable late payments associated with this account. Failure to correct this account will be escalated to the CFPB for enforcement action. 

Account : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account contains incorrect late payment entries. Under FCRA Section 611 ( a ) and 623 ( a ) ( 8 ), all information reported by furnishers must be accurate, complete, and verifiable. I have documentation proving all payments were made on time. Reporting false late payments negatively affects my credit score, increases financial costs, and misrepresents my financial responsibility. I demand immediate deletion of these unverifiable late payment entries. The bureau must investigate with the creditor and provide proof of accuracy, which does not exist. Persistent reporting of inaccurate information constitutes a violation of federal law. I request written confirmation that all false data has been removed and that the account reflects accurate payment history. Failure to correct these inaccuracies jeopardizes my financial opportunities and is a direct violation of FCRA. I insist that all unverifiable and misleading information on this account be permanently deleted. Proper reinvestigation under federal law requires documented proof, which can not be provided in this case. I demand compliance with the FCRA and removal of these inaccuracies immediately. 

Account : XXXX  XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account reports late payments that never occurred. FCRA Sections 611 ( a ) and 623 ( a ) ( 8 ) require accurate and verifiable reporting. I have maintained a perfect payment record and have documentation to prove the inaccuracy of the reported late payments. Reporting false delinquencies is misleading and harms my creditworthiness. I demand a complete reinvestigation and removal of all incorrect entries. The bureau is legally obligated to remove unverifiable data and provide written confirmation of the deletion. Incorrect reporting of this account misleads lenders and could result in financial harm. I request that all inaccurate late payment entries be permanently deleted in compliance with FCRA regulations. The continued presence of unverifiable information violates my rights and undermines the integrity of my credit report. Immediate correction is required to prevent further damage to my financial record. I insist on full compliance with the law and permanent removal of these inaccuracies. Documentation proving accuracy or deletion must be provided promptly. Failure to act will result in escalation to the CFPB. 

Account : XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * XXXX XXXX has reported late payments inaccurately. Under FCRA Section 609 and 611, I have the right to obtain verification of all reported data. I have never missed a payment, and these entries are false. The bureau must conduct a reasonable investigation and remove any unverifiable or inaccurate entries. Reporting false late payments violates federal law, negatively impacts my credit score, and misrepresents my financial history. I demand immediate correction and deletion of all incorrect data. Written confirmation of the results is required. Persistent reporting of unverifiable late payments is unacceptable and legally actionable. I request that all entries be fully reviewed, verified, and corrected according to FCRA requirements. Any unverifiable data must be removed permanently. I have supporting documentation that proves the inaccuracy of these reports. The bureaus failure to act constitutes a legal violation. All inaccurate information must be corrected to restore my credit integrity. This account must reflect my actual payment history, and all unverifiable late payments should be deleted immediately. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment * * This account reports late payments inaccurately. FCRA Section 611 mandates the removal of unverifiable or incorrect information. I have documentation proving that all payments were made on time. These false reports negatively impact my creditworthiness, mislead lenders, and violate federal law. I demand that all incorrect late payment information be permanently removed. The bureau must reinvestigate with the furnisher and provide documented proof of accuracy. Failure to remove unverifiable or inaccurate information constitutes a legal violation. I request written confirmation of the deletion and verification process. Continued reporting of false entries harms my financial credibility and violates my consumer rights. The bureau is obligated to comply fully with FCRA requirements. All inaccurate information must be corrected immediately. Persistent inaccuracies in reporting misrepresent my payment history and can result in financial harm. Immediate deletion is required.

The continued presence of these inaccuracies violates my rights under federal law, causes financial harm, and is creating an ongoing negative impact on my credit standing. I urge the CFPB to investigate, require reinvestigation, and enforce the removal or correction of all inaccurate information, ensuring full compliance with the FCRA and FDCPA.

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