Consumer complaint received 2025-10-10 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:
This is a formal complaint being filed with the Consumer Financial Protection Bureau regarding serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by certain furnishers and credit reporting agencies. Despite multiple disputes and written requests for verification, the inaccurate and unverifiable information listed below continues to appear on my credit file. These violations have resulted in emotional distress, lowered credit scores, and loss of financial opportunities. I am requesting the CFPB to investigate these matters and enforce compliance with federal law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is being inaccurately reported under my credit profile even though I have never resided or received any form of correspondence there. The continued inclusion of this address is a violation of FCRA 607 ( B ), which requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of consumer data. Reporting this incorrect address creates confusion and may associate me with accounts or activities unrelated to my identity. Despite previous disputes, no verification documents proving my residency at this address have been provided. I am requesting immediate deletion of this false address as it contributes to the inaccurate portrayal of my credit identity and violates the principles of data accuracy and consumer protection under federal law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address has no connection to me, and its reporting represents negligent compliance with FCRA 611 ( A ) ( 1 ) ( A ), which mandates proper reinvestigation of disputed information. I have never received mail or maintained any record linking me to this location. The inaccurate reporting of this address exposes me to potential credit misidentification and financial harm. Under the FCRA and CFPB guidelines, unverifiable or unconfirmed information must be removed from a consumers report. The failure to remove this address after multiple disputes demonstrates disregard for accuracy obligations under FCRA 623 ( B ). I demand deletion and documentation showing reinvestigation results as required by law. 

XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charge Off * * This account has been disputed multiple times without any evidence being provided to prove its validity. FCRA 611 requires proper reinvestigation, and 623 ( B ) ( 1 ) ( A ) requires furnishers to verify or delete disputed information. Continuing to report a charge-off without providing verifiable records such as signed contracts, payment history, or account statements violates my consumer rights. I have never received correspondence or validation letters confirming that this debt is legitimately mine. The continued reporting of this account constitutes defamation of character and an ongoing violation of the FCRA and FDCPA 807 ( 8 ) prohibiting false credit reporting. I request its permanent removal from my credit report. 

XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account is inaccurately reporting late payments even though the balance is currently XXXX. Under FCRA 607 ( B ), furnishers are required to report complete and accurate information, and reporting a late payment on a closed or zero-balance account is false and misleading. I have never been provided any verified records proving late payments or due date notifications. This reporting negatively affects my creditworthiness and violates my rights under FCRA 611 and CFPB accuracy regulations. I request deletion of any late payment not supported by verifiable documentation and demand an updated report reflecting timely payment status. 

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7100.00} Charge Off * * This account is being reported as a charge-off without any legal verification or proof of accuracy. FCRA 623 ( A ) ( 3 ) explicitly requires that disputed information be thoroughly investigated, and any unverifiable data be corrected or deleted. No documentation has been provided showing my authorization, contract, or payment records related to this account. The continued reporting after repeated disputes represents a willful violation of FCRA 616 and negligence under 607 ( B ). The failure to verify this information damages my credit reputation, and I am demanding its deletion due to lack of substantiation and failure of reinvestigation under federal law. 

XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and was made without my consent. FCRA 604 ( A ) ( 3 ) prohibits access to a consumers credit file without permissible purpose. I have never applied for any financial product, loan, or service with this company that would justify this inquiry. Reporting or conducting an unauthorized inquiry constitutes a privacy violation and misuse of personal data. I demand that this unauthorized inquiry be removed immediately under FCRA 609 and 610, as it represents a breach of my consumer rights and personal security.

I am submitting this complaint to the CFPB because these continued inaccuracies, charge-offs, false addresses, and unauthorized inquiries violate multiple sections of the FCRA and FDCPA. The reporting agencies and furnishers have failed to validate, correct, or remove the disputed information despite repeated requests, showing clear negligence and willful noncompliance. I respectfully request that the CFPB investigate each violation, compel the responsible parties to provide full documentation or remove unverifiable data, and ensure compliance with FCRA 616. I further request that corrective action be taken to restore my credit files accuracy and integrity and hold the violators accountable under federal law.

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