Consumer complaint received 2025-10-29 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:
Dear CFPB, I am submitting this complaint against the credit bureaus and the creditors listed below for reporting inaccurate and unverifiable information on my credit profile. These accounts have been repeatedly disputed under the Fair Credit Reporting Act ( FCRA ) Section 602 ( A ), 603, 611, and 623, which require data furnishers and credit bureaus to ensure the utmost accuracy and verification of all information reported. Despite multiple requests for reinvestigation, these accounts remain on my report without proper validation or documentation that meets legal standards. These inaccuracies have caused severe harm to my creditworthiness, denial of financial opportunities, and emotional distress. I am requesting a full reinvestigation, deletion of unverifiable information, and enforcement of compliance with FCRA and FDCPA regulations. 

ADDRESSES XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are incorrect and not associated with any verified identification or residency record belonging to me. Reporting unverified addresses creates confusion and misrepresents my profile. Under FCRA 607 ( b ), the bureau must ensure the highest level of accuracy, and including unverifiable addresses is a violation of that standard. I request their immediate removal. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account has been reporting late payments even though the balance shows {$0.00}, which means there is no valid debt obligation. According to FCRA 602 ( A ) and 607 ( b ), this violates accuracy and completeness requirements. Reporting late payments on a closed or zero-balance account is misleading and harms my credit reputation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This repeated duplicate listing further damages my profile and constitutes re-aging or duplication in violation of FCRA 605 and 611. I demand that the duplicate record be removed immediately. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Charge Off This account was never authorized by me. No signed agreement or verifiable contract has been produced. Reporting unverifiable charge-offs without proof of liability violates FCRA 609 ( a ) ( 1 ) ( A ) and 611. The burden of proof lies with the furnisher to verify the accuracy of data reported. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Charge Off No documentation or signature has been provided to validate this account. The continued reporting of this unverifiable debt is a clear violation of FCRA 611 and 623 ( a ) ( 1 ) ( A ). I demand deletion unless full verification is produced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late Payment * * The alleged late payment reported is inaccurate and unverifiable. The creditor has not provided any certified billing statement or proof of delinquency. FCRA 602 ( A ) and 611 require proper documentation before negative information is reported. I request immediate correction or deletion. 

XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Charge Off * * This account is unverified and appears fraudulent. No proof of ownership or consent was ever provided. Continued reporting without validation violates FCRA 611 and 623 ( a ) ( 3 ). I demand removal immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Reporting a late payment on a XXXX balance account is misleading and violates the requirement of accuracy under FCRA 607 ( b ). This item must be deleted as no delinquency exists. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This is another duplicate entry of the same account. FCRA 611 ( a ) ( 5 ) ( A ) prohibits duplicate or unverifiable information from remaining in a consumers file. I request deletion. 

INQUIRIES XXXX XXXX XXXX XX/XX/XXXX This inquiry was unauthorized. I never gave written consent for this entity to access my report. Under FCRA 604 ( a ) ( 2 ), inquiries without consumer permission are illegal. 

XXXX XXXXXX/XX/XXXX This inquiry is unauthorized and has caused harm to my credit profile. Reporting unauthorized inquiries violates FCRA 604 and 607 ( b ). 

XXXX XXXX XXXX XX/XX/XXXX Another unauthorized inquiry from the same entity. Repeated access without my consent is a breach of FCRA 604 ( a ) ( 3 ) ( A ). I demand deletion of this inquiry from my file. 

These violations collectively show negligence and non-compliance with federal consumer protection laws. I am requesting the CFPB to enforce immediate corrective actions, compel the credit bureaus and data furnishers to delete these inaccurate accounts, and ensure compliance with all provisions under FCRA and FDCPA. The ongoing reporting of unverifiable information has caused significant damage to my financial standing, and I request immediate resolution.

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