Consumer complaint received 2025-09-24 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 regarding multiple inaccurate, misleading, and unauthorized entries on my credit report. My prior CFPB complaint remains open. I have not submitted an FTC complaint yet. This letter details all disputed items, each including legal references and narratives describing the harm caused. The reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires accurate, complete, and timely reporting of consumer credit information. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not and has never been associated with me. Its presence on my credit report is a direct violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain accurate information. The repeated listing of false addresses misrepresents my identity and exposes me to potential fraud. I demand its immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This is another address erroneously associated with my credit report. I have never resided at or conducted financial activity linked to this location. Continuing to report this information is harmful and unlawful under the FCRA, exposing me to risk of identity theft and improper credit decisions. I demand prompt correction and deletion of this address. 
XXXX XXXX XXXX Charge Off High Balance : {$13000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account has been inaccurately reported as a charge-off. I dispute the legitimacy of the balance and the circumstances of this charge-off. XXXX failed to provide accurate and timely account information, violating 15 U.S.C. 1681s-2 ( a ) and 1681i. The incorrect reporting has caused severe damage to my creditworthiness, including denial of loans, higher interest rates, and constant stress. I demand a full investigation, validation of the debt, and immediate correction of my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$360000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account contains repeated late payment entries that are inaccurate and do not reflect my payment history. XXXX XXXX XXXX XXXX has failed to report accurate dates of payment and failed to correct errors upon my direct disputes. Such reporting constitutes a violation of FCRA 1681s-2 ( b ), which obligates furnishers to correct and report only accurate information. These false late payments have caused undue financial and emotional harm. I demand their immediate removal and a corrected report. 
XXXX XXXXXXXX XXXX  Late Payment High Balance : {$380.00} Date Opened XXXX XXXX XXXX XXXX This account contains inaccurate late payment reporting. I have consistently made timely payments, and XXXX XXXX has failed to verify the accuracy of its reporting. Reporting false late payments violates my rights under the FCRA, 15 U.S.C. 1681i. These errors are harming my credit score, affecting my ability to access credit, and causing financial and emotional stress. I demand the removal of these inaccurate late payment entries. 
XXXX XXXX Late Payment High Balance : {$270.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account has been inaccurately reported as containing late payments. I have disputed these directly with the furnisher, but no corrective action has been taken. Such misreporting constitutes willful noncompliance with FCRA XXXX ( a ) and ( b ). I am harmed by these inaccuracies, including denial of financial opportunities and stress. I demand immediate investigation, correction, and deletion of this inaccurate reporting. 
XXXX XXXX Late Payment High Balance : {$990.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account has been inaccurately reported as having late payments. I have consistently made timely payments, and the reported late payment is false. This is a violation of 15 U.S.C. 1681s-2 ( a ) and 1681i, which obligates furnishers to ensure the accuracy of reported information. The false late payment reporting has caused undue harm to my credit profile, including denial of credit and emotional distress. I demand immediate correction or deletion. 
XXXX XXXXXXXX XXXX Late Payment High Balance : {$650.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account has been reported with false late payments. XXXX XXXX has failed to verify or correct this information despite my direct dispute. Reporting inaccurate late payments violates FCRA 1681i ( a ) and causes financial harm, including a reduction of my creditworthiness and wrongful damage to my reputation. Immediate removal or correction is required. 
XXXX XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX This bankruptcy entry is being inaccurately reported in connection with my credit profile. I dispute the accuracy of this reference, including dates and filing information. Misreporting of bankruptcy information violates 15 U.S.C. 1681e ( b ) and 1681i, causing severe impact on my credit opportunities, loan approvals, and financial stability. I demand full validation or removal of this entry immediately. 
XXXX XXXX Inquiry XX/XX/XXXX This inquiry is inaccurate and unauthorized. It was made without my consent or proper notification. Reporting unauthorized inquiries violates FCRA 604 ( a ) and 1681i. Such inquiries negatively impact my credit score and misrepresent my financial activity. I demand immediate removal. 
XXXX XXXX Inquiry XX/XX/XXXX This is an unauthorized and inaccurate inquiry. The reporting of this inquiry without consent violates FCRA 604 and 1681i. Immediate removal is required to prevent further harm. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry is false and was conducted without my authorization. Such actions violate FCRA 604 ( a ) and cause tangible harm to my credit report. I demand deletion. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry was made without my consent and is inaccurate. Unauthorized inquiries are violations of 15 U.S.C. 1681b and negatively affect my credit score. Immediate removal is required. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry is unauthorized and inaccurately reported. Such reporting violates my rights under FCRA 604 ( a ) and 1681i. Immediate deletion is demanded. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry is inaccurate and unauthorized. FCRA 604 ( a ) requires consent for all credit checks. Reporting without consent is unlawful and harmful. I demand immediate removal. 
I demand that all inaccurate addresses, accounts, late payments, charge-offs, bankruptcies, and unauthorized inquiries be corrected or removed immediately. Continued reporting of inaccurate information violates the FCRA and has caused ongoing financial, credit, and emotional harm. I request written confirmation of investigation results and corrective actions for each disputed item.

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