Consumer complaint received 2025-08-29 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 complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 607 ( b ) requires maximum possible accuracy Issue : Reported as one of my residences but has no connection to me Story : I have never lived at this address, nor do I have any legal or contractual ties to it. By keeping this false address on my file, the bureau is suggesting I may be connected to accounts or activities tied to that location, which is misleading and unfair. Lenders, landlords, or employers who view my report may assume I have ties to an address I have no knowledge of, creating false associations that damage my character and opportunities. The law is clearconsumer reporting agencies must maintain procedures to prevent this type of inaccuracy. Since this address can not be tied to me with valid documents such as a lease, utility bill, or drivers license, it must be deleted. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 611 requires reinvestigation of disputed data Issue : Wrong address reported as belonging to me Story : This is another address where I have never lived, yet it is included in my credit history. The presence of this false address allows debt collectors or fraudulent creditors to attach accounts to me that do not belong. Inaccurate addresses are a major cause of identity theft risks and wrongful account association. This harms me when lenders review my file and assume I may have lived at this location. Since I never resided here, reporting it is a violation of FCRA obligations for accuracy, and it must be deleted immediately. 

ACCOUNT XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off Law : FCRA 607 ( b ) requires that reports not be misleading Issue : Reported as charge-off despite showing {$0.00} balance Story : This reporting is contradictory and unlawful. A charge-off implies I failed to pay a debt, yet the balance shows {$0.00}. That means either I paid the debt or it was resolved, but instead of being reported accurately, the bureau is labeling it as derogatory. This kind of misreporting lowers my creditworthiness, misleads lenders, and damages my ability to secure fair credit. If you can not provide the original contract, full payment history, and evidence that this charge-off status is correct, this item must be deleted immediately. 

ACCOUNT XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$12000.00} | Status : Charge-Off Law : FCRA 609 ( a ) ( 1 ) gives the right to demand the original signed contract Issue : Reported as charge-off with {$12000.00} balance, which I do not recognize Story : I dispute this account as inaccurate and unverifiable. I do not recall ever entering into a legal obligation for this amount. Without a contract signed by me, reporting this account violates the FCRA. Unverified debts reported as charge-offs cause severe harm, as they paint me as a high-risk borrower. This false reporting impacts my ability to access credit, housing, and employment. Unless the bureau produces the original signed documents, complete payment history, and proof that I lawfully owe this debt, this account must be deleted. 

ACCOUNT XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$1200.00} | Status : Collection Law : FCRA 607 ( b ) requires accuracy, XXXX  demands reinvestigation Issue : Collection account reported for {$1200.00}, which I dispute as not mine Story : This collection account is inaccurate and unauthorized. I have no recollection of owing XXXX XXXX XXXX this balance, and I never signed a contract authorizing this debt. Reporting this item makes it appear as though I defaulted on a service account, which damages my reputation and prevents me from obtaining fair credit. False collections are one of the most damaging errors that can be placed on a credit file, and the law requires that unverifiable items be deleted. Unless you can produce undeniable evidence tying me to this debt, this account must be removed. 

INQUIRY XXXX XXXX XXXX XX/XX/XXXX Law : FCRA XXXX requires permissible purpose and consumer consent Issue : Unauthorized hard inquiry Story : I never applied for credit with XXXX XXXX XXXX this date, and I did not authorize them to access my credit report. An inquiry without my consent is an invasion of my privacy and damages my credit score unlawfully. This type of violation is serious because it not only lowers my score but also suggests to lenders that I am seeking new credit when I am not. This inquiry must be deleted immediately. XXXX  NOWCOM/WESTLAKE DIRECT XX/XX/XXXX Law : FCRA 604 prohibits unauthorized credit pulls Issue : Hard inquiry conducted without my authorization Story : I never applied for credit with XXXX XXXX , and they had no permissible purpose to access my report. Unauthorized inquiries create the appearance of excessive credit-seeking, which lowers my score and makes me look financially unstable to lenders. This inquiry is false, unauthorized, and unlawful. It must be deleted to restore accuracy to my file. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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