Consumer complaint received 2025-07-26 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 formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address This address is being falsely reported on my credit file. I have never lived or received mail at this address, and no documentation can verify it as mine.

Law Issue : FCRA 605 ( b ), 611, 602 ( a ) Story : Reporting an address that does not belong to me misleads lenders, damages my creditworthiness, and violates my right to accurate reporting. I demand immediate deletion of this address as it can not be verified with any permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address This address is also not affiliated with me in any way and should not be linked to my personal credit report. 
Law Issue : FCRA 605 ( b ), 611, 602 ( a ) Story : Associating my profile with an unknown address poses serious risks, including identity misassociation and wrongful account attribution. Please remove this address immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened : XX/XX/XXXX Balance : {$0.00} This account shows a {$0.00} balance yet remains reported as a charge-off, which is misleading. 
Law Issue : FCRA 605 ( a ) ( 5 ), 623 ( a ) ( 2 ), 611 ( a ) Story : This account should no longer be reported negatively if it has a zero balance and was charged off more than XXXX  years ago. Keeping it listed in this manner misrepresents my credit status and violates the time-frame limits of negative reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Opened : XX/XX/XXXX Balance : {$2700.00} * * I dispute the late payment reported on this account, which is not supported by any verified record provided to me. 
Law Issue : FCRA 611 ( a ), 623 ( a ) ( 1 ), 602 ( a ) Story : I never received proper notice of any missed payment, nor have I been shown proof of delinquency. Under FCRA, unverified derogatory marks must be removed. Please delete this inaccurate late payment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened : XX/XX/XXXX Balance : {$0.00} * * This account shows a charge-off with a {$0.00} balance, which is contradictory and misleading. 
Law Issue : FCRA 605 ( a ) ( 5 ), 623 ( a ) ( 2 ) Story : Reporting a charge-off with a {$0.00} balance implies an ongoing derogatory status despite resolution. As it exceeds the XXXX reporting limit, this entry must be deleted to reflect accurate and fair information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened : XX/XX/XXXX Balance : {$27000.00} * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) Story : This federal loan has been inaccurately marked with late payments. I was under a hardship deferment during this period, which should not result in delinquency marks. Please reinvestigate and correct or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$6200.00} * * Law Issue : FCRA 623, 611, 602 ( a ) Story : The servicer failed to properly update this account during a consolidation process, resulting in unjustified late payments. I request verification or removal. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} * * A charge-off is inaccurately listed despite a {$0.00} balance, indicating closure or resolution.

Law Issue : FCRA 605 ( a ), 611, 623 ( a ) Story : This listing is deceptive and damages my score. If the balance is zero and debt is no longer owed, the charge-off status should not remain. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$20000.00} * * Law Issue : FCRA 623 ( a ) ( 1 ), 611, 602 ( a ) Story : This account was in forbearance during the time of alleged delinquencies. Misreporting during a valid forbearance is a violation of federal guidelines. I demand correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$25000.00} * * Law Issue : FCRA 602 ( a ), 623 ( a ), 611 ( a ) Story : I dispute the accuracy of reported late payments. I never received any documentation of delinquency. Unless verified with original payment records, this must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$25000.00} * * Law Issue : FCRA 623 ( a ) ( 1 ), 611 Story : Similar to previous disputes with XXXX, this listing reflects inaccurate late payment reporting due to administrative servicing errors. Please verify or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$25000.00} * * Law Issue : FCRA 611, 602 ( a ) Story : This account had a payment plan in place, which was ignored during reporting. Mislabeling these payments as late severely misrepresents my payment behavior. Please investigate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy and inclusion of this XXXX filing. I was a victim of identity compromise and never personally filed for XXXX. 
Law Issue : FCRA 605 ( a ) ( 1 ), 611, 602 ( a ) Story : I request documentation directly from the court with full identity verification. If not provided within 30 days, this public record must be removed under the law due to unverifiable origin. 
These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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