Consumer complaint received 2025-07-23 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 ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is inaccurately linked to my profile. I have never lived, worked, or received mail at this location. 
Law Issue : Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Instruction : Please delete this address from my credit file immediately. 
Story : I believe this address was mistakenly added due to mixed or merged files or potential identity confusion. This address is damaging my report and affecting my credibility. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Issue : This address does not belong to me and should not be associated with my credit file. 
Law Issue : FCRA 1681c ( a ) ( 4 ) prohibits obsolete or erroneous personal information from remaining on a credit report. 
Instruction : Remove this address from my report to reflect an accurate personal history. 
Story : I have never resided at this location. It is likely the result of an error by a lender or data furnisher. This incorrect association misrepresents my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$11000.00} Late Payment * * Issue : This account is reporting late payments inaccurately and is harming my creditworthiness. 
Law Issue : Under FCRA 1681s-2 ( a ), furnishers must report data accurately and update or correct any inaccurate data when notified. 
Instruction : Please reinvestigate this account and remove any unverifiable or incorrect late payment entries. 
Story : I do not recall authorizing this account, and I was never notified of any past due balances. The payment history appears inconsistent and does not match my records. I demand proper documentation and verification. If the account can not be fully validated with full payment history and original agreements, it must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$5300.00} Late Payment * * Issue : This account is incorrectly reporting a derogatory status due to alleged late payments. 
Law Issue : FCRA 1681i ( a ) ( 1 ) ( A ) grants the right to dispute any inaccurate, incomplete, or unverifiable item, requiring bureaus to remove or correct it within 30 days. 
Instruction : I request a thorough reinvestigation and removal of this late payment record if it can not be fully verified. 
Story : This account has questionable reporting accuracy. I was unaware of any delinquency, and this negative information is inconsistent with my financial habits. Unless you can provide supporting documents such as signed contracts and billing records, this should be removed from my file. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

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