Consumer complaint received 2025-10-01 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 formally dispute multiple inaccurate items on my credit report. I request a full investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ) and all applicable laws. These items are harming my creditworthiness and causing undue stress and financial hardship. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Law/Issue : FCRA 1681i ( a ) inaccurate personal identifying information. This address is not associated with me and is a false record on my credit file. The presence of this incorrect address causes harm, confusion, and potential denial of credit, housing, or other financial services. I request this address be fully verified and, if unverifiable, permanently deleted. This address does not belong to me and is not my current or previous residence. Continued reporting of this address violates the FCRA as it is materially inaccurate and misleading. I have never received mail, bills, or correspondence at this address. No utility or rental records link me to this property. This address is incorrectly attributed to my credit history and may lead to mistaken identity issues. Reporting it inaccurately could result in fraudulent activity being associated with me. The bureau must investigate the source of this error thoroughly. Any lender or creditor using this address as verification is being misled. Immediate deletion is necessary to prevent further harm to my credit profile. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law/Issue : FCRA 1681i ( a ) inaccurate personal identifying information. This address is not and has never been associated with me. Its continued presence on my credit report can negatively impact my credit score, lead to incorrect account matches, and expose me to fraud or identity theft. The bureau must reinvestigate and remove this address if it can not be verified as mine. I have never leased, rented, or lived at this location. No utility, financial, or governmental documents list me at this property. This false listing may confuse creditors, landlords, and other institutions. It exposes me to potential identity theft and credit misreporting. I have confirmed with my previous landlords and credit accounts that this address is not linked to my profile. Any continued reporting is inaccurate and misleading. The bureau has a legal duty to correct this error immediately. I demand deletion if verification can not be produced. This error impacts my overall credit reliability and trustworthiness. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Chargeoff Law/Issue : FCRA 1681s-2 ( b ) inaccurate account status. The reported charge-off is false and does not match my records. I have consistently maintained accurate payment history, and statements prove the balance and status are misreported. The account was never delinquent in the manner reported. Reporting this inaccuracy harms my creditworthiness and misleads potential lenders. No correspondence, notices, or legal filings support the reported charge-off. The bureau has failed to verify this account accurately despite previous disputes. I request complete verification including all payment history, statements, and creditor confirmation. Continued reporting without verification violates FCRA standards. Misrepresentation of this account exposes me to financial harm, denial of credit, and reputational damage. Any lender relying on this information is being misled. I demand deletion if verification can not be provided. The reporting bureau is legally obligated to maintain only accurate and verifiable information. This false reporting has caused repeated distress and potential financial loss. I am exercising my right under 15 U.S.C. 1681i to demand correction or deletion. Immediate action is required to prevent further damage to my credit profile. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXXXX/XX/XXXX Balance Owed : {$4700.00} Chargeoff Law/Issue : FCRA 1681s-2 ( b ) inaccurate account status. The reported charge-off is completely false. My records show timely payments and account closure in good standing. Reporting inaccurate balances and charge-offs misrepresents my financial history. Previous disputes have not resulted in proper verification. The bureau must obtain all payment history and creditor documentation to confirm accuracy. Failure to verify violates FCRA 1681i. Continued reporting of false information harms my ability to obtain credit, rent housing, and engage in financial transactions. No legal basis exists for the reported charge-off. I demand immediate reinvestigation and deletion if unverifiable. Misreporting this account may result in identity verification problems. Creditors relying on this false information are being misled. I have confirmed with the original creditor that this account is reported incorrectly. The bureaus duty is to correct errors promptly. This error constitutes ongoing harm and potential legal liability. I request written confirmation of the reinvestigation results and removal of any unverifiable information. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXX/XX/XXXX Balance Owed : {$7600.00} Late Payment Law/Issue : FCRA 1681s-2 ( b ) inaccurate late payment. The reported late payment did not occur and is unsupported by my records. Statements show all payments were timely and complete. Reporting this false information damages my credit score and financial reputation. The bureau has a legal obligation to verify the account with proper documentation. If the reported late payment can not be verified, it must be deleted immediately. The false report misleads lenders and other institutions relying on my credit file. Prior disputes did not result in accurate correction. No notices, collection actions, or creditor communications support the reported delinquency. Continued reporting of this error violates FCRA 1681i and 1681s-2 ( b ). I demand immediate investigation including all payment history, dates, and creditor confirmation. Misreporting this account negatively impacts my financial life and potential credit opportunities. The bureau must act promptly to remove unverifiable information. Reporting this inaccurate late payment constitutes ongoing harm. I request written proof of verification or deletion from the bureau. 

Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : FCRA 1681s-2 ( b ) inaccurate late payment. No late payment occurred on this account. My account history and statements prove all payments were timely. Reporting false delinquencies misrepresents my creditworthiness. This misinformation negatively affects lenders decisions and can result in denial of financial services. The bureau must conduct a complete reinvestigation with proper verification from the creditor. Continued reporting of unverifiable data violates FCRA 1681i. I demand permanent deletion of any unverifiable late payments. The inaccurate reporting may also affect my ability to obtain loans or favorable interest rates. Prior disputes have not resulted in correction. I request that the bureau provide written confirmation of the reinvestigation results. Misreporting this account exposes the bureau to liability and constitutes harm. All reporting must be accurate, verifiable, and compliant with federal law. Immediate correction or deletion is required to restore my credit profile and protect my legal rights. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law/Issue : FCRA 1681s-2 ( b ) inaccurate late payment. The reported late payments are false and unsupported. My statements and payment history prove timely payments. Misreporting this account harms my credit score and misleads potential lenders. The bureau is required to verify all account data with proper documentation. If verification can not be provided, the account must be deleted. Continued reporting of inaccurate late payments violates FCRA 1681i. I demand full reinvestigation including account statements, payment records, and creditor confirmation. Reporting errors expose me to financial harm and may result in denial of loans or housing. Prior disputes have not corrected this issue. I request immediate removal of unverifiable information. Misrepresentation of this account constitutes ongoing legal liability for the bureau. All credit reporting must comply with federal law, accuracy standards, and verification requirements. I request written proof of the investigation results and permanent deletion if unverifiable. 

Inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law/Issue : FCRA 1681b ( f ) unauthorized hard inquiry. I did not provide authorization for this inquiry. Unauthorized inquiries misrepresent my credit activity and harm my score. Reporting without verification violates federal law and misleads lenders. The bureau must conduct a full reinvestigation and remove this inquiry if unverifiable. Previous disputes have not corrected this error. Continued reporting is illegal under FCRA 1681i. I demand immediate deletion to prevent further damage. This inquiry inaccurately portrays my financial behavior. Misreporting creates potential denial of credit and financial harm. Verification is required or permanent removal must occur.

Inquiry : XXXX XX/XX/XXXX Law/Issue : FCRA 1681b ( f ) unauthorized hard inquiry. This inquiry was not authorized by me and is therefore illegal. Reporting it harms my credit profile and misleads lenders. No documentation exists that proves my consent for this inquiry. Prior disputes have not resulted in correction. The bureau must verify authorization with the creditor or remove the inquiry. Continued reporting without my consent is a violation of FCRA 1681i. I demand permanent deletion. Reporting this inquiry inaccurately affects my financial reputation. It may result in higher interest rates or denial of loans. Immediate action is required to restore accurate reporting. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA 1681b ( f ) unauthorized hard inquiry. I never provided authorization for this inquiry. Its presence on my report is inaccurate and harms my creditworthiness. Reporting without consent violates FCRA and federal law. The bureau must verify authorization or delete the inquiry immediately. Prior disputes have not resolved this error. Continued reporting constitutes illegal reporting under 1681i. I demand permanent removal to prevent further harm. Unauthorized inquiries misrepresent my credit activity to lenders. The inquiry must be corrected or deleted to ensure compliance with federal law. Failure to act exposes the bureau to liability. 

I request that all above-listed inaccuracies and unauthorized inquiries be fully investigated, verified, and corrected according to the FCRA. I seek immediate deletion of any unverifiable or false information and removal of unauthorized inquiries. My credit report must reflect accurate and fair information to prevent further financial harm.

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