Consumer complaint received 2025-09-06 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 serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

Address in Dispute XXXX XXXX XXXX, XXXX, CA XXXX is being reported on my credit file even though it is not now, nor has it ever been, a correct address for me. This inaccurate address is creating confusion and misrepresentation in my profile. By law, only addresses legitimately tied to me through verified accounts may appear. The FCRA makes it clear that consumer reporting agencies must maintain accurate information, and continuing to associate me with an address that does not belong to me violates Section 607 ( B ). Keeping this address suggests a link to activity that is not mine, which damages my creditworthiness and creates a misleading consumer file. I request immediate deletion of this address from my credit report to maintain accuracy and compliance with federal law. 

Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as a charge-off with a balance of {$2000.00}, opened on XX/XX/XXXX. I dispute the accuracy and validity of this reporting because the furnisher has not provided documented proof of liability. The FCRA requires that only accurate, verifiable, and complete information be reported, and no original contract or admissible documentation has been produced to validate this debt. Continuing to report a charge-off without sufficient verification constitutes a violation of Section 611 of the FCRA. Reporting a balance without proof of ownership and liability creates an inaccurate credit profile that damages my financial standing. I demand this account be deleted immediately as unverifiable information can not remain on a consumer report. 

Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reported as a charge-off with a balance of {$890.00}, opened on XX/XX/XXXX. I dispute this reporting because no creditor has provided the legally required verification of my responsibility for this account. A charge-off represents a serious derogatory mark, and under the FCRA, it can not be reported unless it has been fully validated with documented records. By continuing to report this item without proper investigation or evidence, the credit bureau is in violation of its duty to maintain maximum accuracy under Section 607 ( B ). This entry is misleading, damaging, and unverifiable. I demand its deletion for failure to comply with federal law. 

Account in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported with late payments, opened on XX/XX/XXXX, with a balance of {$0.00}. Reporting late payments without verifiable records of delinquency is inaccurate and unfair. The FCRA mandates that all negative information must be accurate and complete, yet no evidence has been provided to support the late payment status being reported. It is unlawful to report derogatory marks such as late payments without furnishing proper documentation. This entry misrepresents my payment history, damages my reputation, and violates Section 607 ( B ) of the FCRA. I demand the immediate removal of this accounts negative reporting from my file.

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

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