Consumer complaint received 2025-09-04 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 Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items. 

Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrectly reported on my file. I have never lived here or conducted any financial transactions tied to it. Under FCRA 607 ( b ), agencies must ensure maximum possible accuracy, and reporting an address unrelated to me violates this standard. No mail, bills, or legal notices have ever been associated with me at this location. Keeping it misrepresents my residential history and creates a false impression of liability for accounts that are not mine. Prior reinvestigation failed to verify this, showing negligence. I request immediate deletion of this address. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX This address has no connection to me. I have never resided or done business here. The FCRA requires accurate reporting under 607 ( b ) and 611. Including it creates confusion and may wrongly link me to debts. Previous disputes did not correct it, showing a lack of proper investigation. I formally request verification, and if none can be provided, deletion. Misreporting this address harms my creditworthiness and misrepresents my financial history. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is reporting late payments that are inaccurate. I have consistently paid all amounts on time, and there is no evidence that supports any delinquency. Under FCRA 607 and 611, a credit bureau must ensure that all reported information is accurate and complete. Reporting a late payment without verification is a violation of my rights. This erroneous information negatively impacts my credit profile and can lead to higher interest rates or denial of credit. I have disputed this in the past, yet the information remains, demonstrating a failure in the reinvestigation process. I request immediate correction or deletion of these inaccurate late payments. No creditor has substantiated the claimed late payment, making the entry unverifiable. Continuing to display this misinformation is damaging and unlawful. My payment history is a critical factor in my creditworthiness, and this false data misrepresents my responsible financial behavior. The bureau is required to remove unverifiable information under FCRA, and I demand compliance with this legal obligation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$200.00} The reported late payments on this account are false. I have never missed a payment and have maintained a responsible credit history. FCRA 623 requires furnishers to provide accurate information, and 611 obligates the bureau to reinvestigate disputes properly. Prior investigations did not verify this entry, leaving it on my report unlawfully. I am formally disputing this account and requesting deletion of the incorrect late payments. Failure to verify these claims violates federal law and misrepresents my creditworthiness. The continued reporting of this inaccurate information can directly affect lending decisions. I have documentation confirming timely payments, which contradicts the bureaus current reporting. Maintaining unverifiable derogatory information harms my financial standing and legal rights. I insist that the bureau request proper verification and remove this account if the alleged delinquencies can not be substantiated. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is incorrectly reporting late payments. I have never been late on any payment and no evidence exists to validate these claims. FCRA 607 requires accuracy, and 611 mandates that any disputed item must be fully investigated. Previous reinvestigation did not correct this error, showing negligence in handling my dispute. This misinformation misleads potential creditors and affects my creditworthiness. I request that this account be corrected immediately or deleted if verification can not be provided. Erroneous late payments can lead to higher interest rates, denial of credit, and unwarranted financial stress. I have maintained complete and timely payment records, which contradict the reported late payments. The bureau must comply with federal law and remove unverifiable derogatory marks. Reporting false delinquencies damages my credit history and constitutes a breach of consumer rights. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} The reported late payments on this account are inaccurate. I have always made payments on time, and no supporting documentation exists for the claimed late payments. Under FCRA 611, the bureau is required to conduct a reasonable reinvestigation and remove any unverifiable negative information. Prior dispute attempts did not result in correction, which is a failure of compliance. Keeping this inaccurate information harms my credit profile and misrepresents my responsible financial behavior. I request immediate deletion of the incorrect late payments. The bureau must seek verification from the original creditor ; if it can not be substantiated, the entry must be removed. This inaccurate reporting violates federal law, and I demand correction to restore the accuracy of my credit file. Misreporting this account undermines trust in my financial record and damages my legal rights under FCRA. 

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

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