Consumer complaint received 2025-09-25 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 filing this complaint with the Consumer Financial Protection Bureau because my credit reports are being reported with inaccurate, misleading, and unlawful information that is causing me ongoing harm. The Fair Credit Reporting Act ( FCRA ) was created to protect consumers like myself from the continued reporting of unverifiable, false, or duplicate data. Despite my disputes, the credit bureaus and furnishers have failed to follow their legal duties under FCRA Sections 607 ( b ), 611, 623, and 609. I am demanding a full reinvestigation and correction or removal of all inaccurate information as outlined below. 

Address XXXX XXXX XXXX XXXX XXXX, CA XXXX This address does not belong to me and should never have been included in my credit file. It was disputed in earlier rounds but remains, which violates the reinvestigation requirements of FCRA 611. Keeping this false address creates the risk of mixed files, tying me to information that has no connection to me. Such an error makes my credit history appear unstable and unreliable. It XXXX link me to accounts or obligations that were never mine, which is misleading. FCRA 607 ( B ) requires maximum possible accuracy, but this has not been followed. This inaccuracy damages my reputation and misleads lenders who rely on my file to make decisions. It also increases the risk of identity theft by associating me with an address I never used. The law under FCRA 602 ( A ) requires fairness, which is denied to me by keeping this false address. Since no original verification documents have been provided, this information must be deleted. I demand its immediate removal to restore accuracy and compliance with federal law. 

Address XXXX XXXX XXXX XXXX, CA XXXX This address is also inaccurate and has been previously disputed, making this the third formal demand for its deletion. Reporting this false address is a violation of FCRA 607 ( B ), as it fails to maintain maximum possible accuracy. The bureaus failure to delete it after XXXX disputes shows non-compliance with FCRA 611, which requires proper reinvestigation and correction. This wrong address connects me to a place I never lived, which misrepresents my identity. Such misinformation causes denials of applications, higher interest rates, and other unfair treatment. It creates the impression of instability in my residential history, which is harmful and misleading. It also risks tying me to debts or accounts that XXXX have been linked to that location. Keeping this address is willful negligence and violates FCRA 602 ( A ), which requires fairness in consumer reporting. Since no documentation has been produced to prove its legitimacy, it is unverifiable. I demand its immediate deletion from my credit file as required by law. 

Account 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 This account is being reported with late payments despite a XXXX balance, which is misleading and inaccurate. Reporting late history on a closed account violates FCRA 607 ( B ), which requires maximum possible accuracy. It creates the false impression of ongoing delinquency when no balance is owed. Such reporting unfairly lowers my XXXX XXXX and misrepresents my financial responsibility. It is harmful because lenders reviewing my file see inaccurate risk indicators. Under FCRA 611, this item must be verified or deleted, but no original proof has been provided. The bureau is not permitted to rely solely on data furnishers but must conduct a real reinvestigation. Failure to correct this after XXXX prior disputes shows negligence. This error violates FCRA 602 ( A ), which requires fairness and equitable treatment in credit reporting. The continued presence of this inaccurate late payment history denies me fair credit opportunities. This is misleading to creditors and causes reputational harm. I am demanding immediate deletion of this accounts late payment reporting. Continuing to report it without verification is unlawful. 

Account 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 This entry is a duplicate of the above account, reported with late payments. Duplicate negative information is unlawful under FCRA 607 ( B ) because it misleads by artificially inflating the negative impact on my file. It gives the appearance of multiple delinquent accounts when only one exists. This unfair duplication lowers my score and damages my credibility with lenders. The bureau has had XXXX opportunities to delete this duplicate and failed, showing non-compliance with FCRA 611. Duplicate reporting can not be verified because there is only XXXX account. Keeping this duplicate shows negligence in maintaining accuracy. It violates my right to fairness under FCRA 602 ( A ). This duplication creates false history and reputational harm. Such reporting is misleading and unfair under federal law. I am demanding immediate deletion of this duplicate account entry. The continued presence of this error proves a lack of compliance with the FCRA. It must be removed without delay to restore accuracy. 

Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Chargeoff This charge-off is reported without proper validation or documentation. Under FCRA 611, unverifiable accounts must be deleted, not blindly repeated. The bureau has not produced original records to support this entry. Reporting unverifiable charge-offs creates a false image of default. It is harmful to my creditworthiness and violates FCRA 607 ( B ). This item has already been disputed twice, yet it remains, which shows negligence in reinvestigation. Keeping unverifiable accounts violates FCRA 602 ( A ), which requires fairness in reporting. It lowers my score and causes unfair denials of credit. This reporting is misleading to lenders who rely on my file. The bureau must conduct a reinvestigation using actual evidence from the original creditor. If the creditor can not provide proof, the account must be deleted. Continuing to report it without verification is unlawful. This account is damaging and unfair. I demand its immediate deletion to comply with federal law. 

Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Chargeoff This account is reported as a charge-off but has not been properly validated. No original creditor documents have been provided to show accuracy. Under FCRA 611, unverifiable information must be deleted immediately. Reporting unverifiable charge-offs misrepresents my financial history. It unfairly lowers my score and violates FCRA 607 ( B ). The bureau has failed to show proof of this debt despite XXXX disputes. Keeping unverifiable information is unlawful under the FCRA. This error harms my reputation and causes lenders to deny me fair treatment. It violates my rights under FCRA 602 ( A ), which requires fairness. The reporting is misleading and unfairly paints me as delinquent. This account must be deleted unless validated with original records. Failure to delete it shows negligence and willful disregard of the law. This entry continues to damage me financially. I demand immediate removal to restore accuracy to my credit report. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late Payment This account is reported with late payments that are inconsistent and inaccurate. Such errors violate FCRA 607 ( B ), which requires maximum possible accuracy. They misrepresent my payment history and unfairly lower my score. This false reporting gives lenders the impression that I am unreliable. It has already been disputed twice with no correction made. Under FCRA 611, the bureau must reinvestigate and delete unverifiable information. Instead, the same false reporting remains, which is negligence. This violates my right under FCRA 602 ( A ) to fair and accurate reporting. The continued presence of these late payments harms my reputation. It causes unfair treatment and denials of credit. The bureau is failing to maintain integrity in its reporting. This account has been mishandled in every round of dispute. I am demanding immediate deletion or correction with proper documentation. Keeping this error is unlawful. If not removed, I will escalate the matter to regulators. 

Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Chargeoff This account is being reported as a charge-off without any validation. The bureau has not provided original documentation to prove accuracy. Under FCRA 611, unverifiable accounts must be deleted immediately. Reporting unverifiable data misrepresents my financial history. It unfairly lowers my score and violates FCRA 607 ( B ). The bureau is unlawfully relying on unverified furnisher data. This is my third dispute of this same account, showing repeated negligence. Keeping this unverifiable charge-off is unfair and misleading. It violates my right to fairness under FCRA 602 ( A ). This entry harms my reputation with creditors. It causes denials of credit and financial loss. The bureau must reinvestigate with real evidence. If no validation can be produced, the account must be deleted. Continuing to report it without proof is unlawful. I demand immediate deletion to restore accuracy. 

Account 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 This account is showing late payments despite being closed with a XXXX balance. Such reporting is inaccurate and violates FCRA 607 ( B ). It misrepresents my history and lowers my score unfairly. A closed account with no balance should not reflect ongoing delinquencies. This error creates a false image of delinquency and irresponsibility. Under FCRA 611, this must be verified or deleted, yet no validation has been shown. Keeping this account in its current form is unlawful. This misreporting has already been disputed twice with no correction. The bureau is showing negligence in its duty to reinvestigate. It violates my right to fair reporting under FCRA 602 ( A ). This false late payment history harms me financially. It misleads creditors into thinking I was delinquent. The continued reporting is misleading and unlawful. I demand immediate deletion to restore accuracy. Failure to act will be escalated. 

Account 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 This account is a duplicate entry with the same late payment reporting. Duplicate negatives are misleading and violate FCRA 607 ( B ). They artificially inflate the harm to my XXXX XXXX. This duplicate makes it appear as if I have more delinquencies than I do. The bureau has failed to correct this after multiple disputes. Under FCRA 611, duplicate unverifiable data must be deleted. Keeping this entry is negligent and unlawful. It violates my right under FCRA 602 ( A ) to fair treatment. This duplication is misleading to lenders. It causes reputational harm and unfair denials of credit. Such duplication should never remain after being disputed. This entry creates false negative history. The bureau is willfully ignoring its legal duties. I demand immediate deletion of this duplicate. Failure to act will escalate to regulatory action. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was placed on my file without my authorization or any permissible purpose under FCRA Section 604. I did not apply for credit with this company on this date, and no written consent has been provided to justify its presence. Under FCRA Section 607 ( B ), the bureau is required to maintain maximum possible accuracy, yet this unauthorized inquiry remains. It unfairly lowers my XXXX XXXX and creates the false impression that I was seeking new credit. This damages my reputation with lenders and is misleading under FCRA Section 602 ( A ). Despite my previous disputes, this inquiry has not been properly verified or removed, showing a failure of reinvestigation under FCRA Section 611. The bureau can not simply rely on information from the furnisher without original documentation. Since this inquiry can not be proven as authorized, it must be deleted. I demand immediate removal to restore accuracy and compliance with federal law. 

Inquiry XXXX XXXX, XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized, reported in violation of FCRA Section 604 because I did not apply for any account with XXXX XXXX XXXX XXXX on this date. Its presence misrepresents my actions and unfairly portrays me as actively seeking credit. This false reporting lowers my score and misleads lenders, violating FCRA Section 607 ( B ), which demands maximum possible accuracy. Keeping unverifiable inquiries on my report is unlawful under FCRA Section 611, as they must be deleted if proper proof is not provided. No signed application or original authorization has been given, making this entry unverifiable. It harms my credibility, creates unnecessary risk, and violates my right to fair treatment under FCRA Section 602 ( A ). The bureau has ignored my previous disputes, showing negligence and non-compliance. I demand that this inquiry be deleted immediately, as its continued reporting is unlawful and damaging. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry is also unauthorized and must be removed under FCRA Section 604 because I never gave consent or applied for credit with Bank XXXX XXXX on this date. Reporting inquiries without proof of consumer authorization violates FCRA Section 607 ( B ), as it undermines maximum possible accuracy. Its presence lowers my score and falsely signals that I was pursuing new credit, which is harmful and misleading. This is unfair treatment under FCRA Section 602 ( A ). Despite previous disputes, this inquiry remains, proving that no proper reinvestigation under Section 611 has been conducted. No original signed authorization or application has been shown to justify this inquiry. The bureau can not simply verify by repeating what the furnisher claimsit must provide documentation. Since this inquiry can not be proven valid, it is unverifiable and must be deleted immediately. Keeping it on my report is unlawful and continues to cause me financial harm. 

Based on the above violations, it is clear that the credit bureaus and furnishers are not meeting their obligations under the Fair Credit Reporting Act. They have allowed inaccurate addresses, unverifiable chargeoffs, and duplicate late payments to remain on my credit file despite my disputes. These actions are causing me financial harm, emotional distress, and unfair denial of opportunities. I am requesting the CFPB to step in and hold the credit reporting agencies and furnishers accountable under FCRA Sections 607 ( b ), 609, 611, and 623, and to ensure the immediate correction or deletion of all inaccurate information listed in this complaint.

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