Consumer complaint received 2025-07-15 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:
Dear CFPB Investigator, I am filing this complaint against Experian for continuing to report inaccurate, unverifiable, and outdated information on my credit report, despite my attempts to resolve the matter directly. These inaccuracies are negatively affecting my credit score, misrepresenting my identity and financial history, and hindering my access to essential financial opportunities. 

Below is a breakdown of the disputed items with supporting context and applicable legal violations : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This address is inaccurate and does not belong to me. 
Law : FCRA 1681c ( a ) ( 4 ) ; 1681e ( b ) Credit bureaus must avoid reporting incorrect identifying information and ensure maximum possible accuracy. 
Story : I have never lived at this address. Its presence on my credit file implies possible mixed file or reporting errors. This is a serious issue, as it can result in the association of unrelated accounts or lead to identity confusion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This is another inaccurate address that does not match my residential history. 
Law : FCRA 1681e ( b ) Story : I have no ties to this location. Including this address on my credit report misrepresents my identity and could affect how lenders evaluate my credit profile. This false data must be removed immediately. 

XXXX. XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$290.00} Issue : Inaccurate late payment being reported. 
Law : FCRA 1681i ( a ) ; 1681s-2 ( b ) Inaccurate information must be reinvestigated and corrected by data furnishers. 
Story : I never received any proper notification about a missed payment, and I believe the late status is the result of a billing cycle issue. Experian has failed to ensure that the derogatory mark is based on verified data. This error has impacted my score and credibility and violates my rights to fair and accurate reporting. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Issue : Reporting as a charge-off despite a {$0.00} balance. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) ; Metro 2 Compliance Story : This account is over a decade old and is listed with a XXXX balance, yet its still marked as a charge-off. This misrepresents my current creditworthiness and unfairly penalizes me with outdated derogatory data. If the balance is {$0.00}, the charge-off designation should not remain. This is misleading and no longer relevant under fair reporting practices. 

Requested Action : I request the CFPB to investigate these ongoing violations by Experian and compel them to comply with the Fair Credit Reporting Act. If Experian can not verify these accounts with original documentation and accurate reporting standards, I request permanent deletion of all the items listed above. 

Please keep me updated on the progress of this investigation. I have attached identification and supporting documentation as needed. Thank you for your time and for protecting consumer rights.

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