Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I am submitting this complaint because my credit reports contain multiple inaccurate items, wrong addresses, unverifiable accounts, late payments, charge offs, and unauthorized inquiries. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( b ), 609 ( a ), 611, and 623. These inaccuracies are damaging my credit reputation, causing financial hardship, and preventing me from accessing fair credit opportunities. I respectfully request the Consumer Financial Protection Bureau to investigate these violations and require the credit bureaus and furnishers to correct or delete the inaccurate information listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Wrong Address This address is not mine, I have never lived there nor have I ever been associated with this location. Reporting wrong addresses creates confusion and can link me to accounts or activities that do not belong to me. Under FCRA Section 609 ( a ) and Section 611, I have the right to correct personal information and inaccurate addresses must be deleted immediately. This false address is creating serious problems, including creditors doubting my true identity and lenders assuming fraudulent activity. This is damaging both my reputation and ability to rebuild my credit. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Wrong Address I never resided here and have no association with this address. By continuing to report this wrong information, the credit reporting agencies are violating FCRA Section 607 ( b ). This address gives the impression that I move frequently and can not maintain stability, which hurts me when I apply for mortgages or auto loans, even though the information is completely false. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX Balance {$63000.00} Charge Off This account is reported as a charge off, but this is materially inaccurate. The balance is not correct, the reporting is inconsistent, and the creditor failed to provide proper validation. Under FCRA Section 623 ( b ), furnishers are required to conduct a proper investigation when a dispute is filed, yet the information remains unverifiable and inaccurate. Misreporting a charge off when it is not valid is causing irreparable harm to my financial stability and is a violation of my rights. This false charge off is one of the worst items on my report. It is blocking me from refinancing my home and has caused me to be denied for a credit card that could have helped me consolidate debt. It paints me as financially irresponsible when I actually paid on this account, and now I am being punished for inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX Balance {$4200.00} Late Payment This account is being reported with late payments that are inaccurate and unverifiable. The creditor has failed to provide sufficient evidence proving that the reported lates are valid. Under FCRA Section 602 ( A ) and 623, inaccurate reporting of delinquencies is unlawful. This negative history is creating obstacles for me in obtaining fair credit and is being reported in violation of consumer protection laws. These false lates are making me look like a high-risk borrower. Because of this account, I was denied an auto loan last month, forcing me to rely on unreliable transportation, which affects my job performance and stability. 
XXXX XXXX XXXXXXXX. XXXX XXXX This inquiry is being reported multiple times and I did not authorize them. Repeated or unauthorized inquiries violate the FCRA and negatively impact my credit score. These inquiries are not mine and must be deleted immediately under Section 609 ( a ). Having multiple inquiries on the same date suggests that I am desperately seeking credit, which is not true, and it has already led to one loan denial. 
The wrong addresses, false late payments, charge offs, and unauthorized inquiries listed above are materially inaccurate and unverifiable. The furnishers and credit bureaus are in violation of their legal duties under the FCRA to maintain accuracy and conduct proper investigations. I am demanding immediate deletion of these items and written confirmation once corrected. If these violations are not addressed, I will pursue further legal action for willful noncompliance under FCRA Section 616 and negligent noncompliance under Section 617.

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