Consumer complaint received 2025-09-11 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 the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, CA XXXX This address has no connection to me and its presence on my file is a clear violation of FCRA 607 ( b ) which requires maximum possible accuracy. I have never signed a lease, held utilities, or conducted any business at this location. Including this address creates a misleading credit profile, which may falsely associate me with accounts or liabilities that are not mine. I am demanding its immediate deletion from my credit report. 

XXXX XXXX XXXX, CA XXXX This is not and has never been my legal residence. No lender, creditor, or public record will show this address as my valid address. Continuing to report it after my first dispute violates your reinvestigation duty under FCRA 611. This false information could cause a lender to misjudge my creditworthiness, and I require its removal without delay. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2000.00} * * This account is showing late payments that are inaccurate and were never validated. Under FCRA 611 ( a ), you are required to contact the furnisher and obtain direct documentation proving I agreed to the account terms, including signed application, original contract, and payment history showing actual delinquency dates. You have not provided me with any of these documents, which violates 609 ( a ) ( 1 ). Continuing to report unverifiable data is harmful because it lowers my credit score and falsely suggests I failed to make payments. I request complete validation or permanent deletion of this account from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} * * This charge-off is inaccurate and improperly reported. Under 609 ( a ) ( 1 ), I am entitled to see the full accounting of how this debt was calculated, proof of charge-off date, and a copy of the default notice sent to me. You have failed to provide this evidence, which means your verification process under 611 was not reasonable. Reporting this account as charged off without validation damages my creditworthiness, impacts my ability to obtain fair credit, and violates my rights under FCRA. I demand a proper reinvestigation and deletion if the furnisher can not provide certified evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} * * This account is reporting multiple late payments, but there is no proof that these payments were late or that proper notices were sent to me. FCRA 623 ( b ) requires the furnisher to investigate disputed information and report results back to you, yet I have not received evidence that such an investigation was completed. The negative reporting has a serious impact on my credit profile, increases my borrowing costs, and misrepresents my payment history. If the furnisher can not produce original statements, payment logs, and evidence of default, this account must be removed as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} * * This account shows derogatory marks that are unverified and possibly the result of reporting errors. Under 609, I am entitled to see the original signed agreement and a full breakdown of all transactions and payment history. Since no documentation was provided during the first investigation, your previous verification does not meet the reasonable standard required by 611. Reporting unverifiable derogatory information is a violation of FCRA and harms my reputation with lenders. I am demanding deletion unless proper validation is supplied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} * * This account is showing late payments but I have not received any evidence of a notice of delinquency as required under FCRA 623 ( a ) ( 7 ). You are required to verify not just with electronic codes, but with actual proof from the furnisher such as billing statements and payment records. Without that, this account can not be considered accurately reported. Its presence is damaging my credit profile and must be removed if validation can not be completed. 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

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