Consumer complaint received 2025-07-30 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 ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
Disputed Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law Issue : Under FCRA Section 609 ( c ) ( 2 ), I have the right to accurate and verifiable information. This address is not associated with me and must be removed as it creates identity confusion.

Story : I have never resided at this address. It is inaccurately linked to my credit file and is potentially causing reporting errors across accounts that do not belong to me.

Instruction : Please delete this address from all parts of my credit report as required under FCRA Section 611. 
Disputed Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Law Issue : FCRA Section 604 ( a ) ( 3 ) permits only relevant and verified information. This address is outdated and no longer valid.

Story : This was a temporary residence and is no longer applicable. Continued association with this address risks identity confusion and misreporting.

Instruction : Remove this outdated address from my credit file entirely to maintain report accuracy. 
Disputed Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$25.00} * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate or unverifiable data.

Story : This account was never opened or authorized by me. No verification was sent to me before it appeared as a charge-off. I demand validation.

Instruction : Please delete this account for failure to verify debt ownership and accurate reporting under FCRA 611 ( a ). 
Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law Issue : Per FCRA 605 ( b ), derogatory accounts that are unverifiable must be removed upon request.

Story : This account is showing late payments, yet it has a {$0.00} balance and no current activity. No late notices or billing were ever received.

Instruction : I request full deletion of this item due to lack of validation and misleading reporting. 
Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : not reported Balance Owed : {$12.00} * * Law Issue : Failure to list a proper open date violates FCRA 609 and makes the data unverifiable.

Story : I have no knowledge of this account. No service was requested, and no communication was ever made by the company to me.

Instruction : Delete this unverifiable and unauthorized charge-off immediately. 
Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : not reported Balance Owed : {$52.00} * * Law Issue : Reporting without a date and authorization violates FCRA 623 and 609 ( a ) ( 1 ).

Story : This entry is erroneous. I never had any service, product, or financial relationship tied to this telecom provider.

Instruction : Demand deletion based on unverifiability and lack of consumer consent.

Disputed Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} * * Law Issue : According to FCRA 611, disputed items must be proven or removed. This account lacks any substantiated evidence.

Story : I never owed {$270.00} to any telecom. I was never billed nor notified. The reporting is false and causing unnecessary damage to my creditworthiness.

Instruction : Remove this charge-off entirely under the Fair Credit Reporting Act. 
Disputed Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) ( 2 ) demands consumer consent for credit inquiries. 
Story : I have no connection with XXXX XXXX XXXX and never gave them permission to access my credit. 
Instruction : Delete this inquiry or send documented proof of authorization. 
I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

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