Consumer complaint received 2025-07-22 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 formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is inaccurate and should not be associated with my credit file. I have never lived at or used this address in any financial application. 
Law Violation : FCRA 1681e ( b ) Reporting information with maximum possible accuracy Instruction : Please delete this address from all records immediately Story : I have no connection with this address and its presence is damaging my credit standing and associating my profile with unknown accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is also incorrect and not linked to any account legitimately belonging to me. 
Law Violation : FCRA 1681e ( b ), 1681i Instruction : Remove this address from my file without delay Story : I have confirmed through my past residency records that this location has no association with me, and its inclusion misrepresents my true identity and residence history XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$37000.00} Late Payment * * This account is reporting inaccurate late payment history that I dispute. I demand a full reinvestigation and correction. 
Law Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ), 1681i Instruction : Investigate and remove or correct this derogatory payment history Story : I have always paid my obligations on time or within the terms agreed. There is no valid basis for a late payment report on this account. I request documented proof of any delinquency with dates and amounts. If none exists, this record must be corrected or deleted in accordance with federal law Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

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