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 formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not and has never been my legal residence, nor does it appear on any of my official documents such as government-issued ID, lease agreements, or utility bills. Keeping this address attached to my credit profile creates a false residency history, which can trigger identity confusion or fraud alerts. Under FCRA 609 and 611, unverifiable personal information must be removed after a proper reinvestigation. Please delete this address from my file immediately to ensure accuracy. 

ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * I dispute the late payment reporting because it is inaccurate and misleading. The account shows a {$0.00} balance, which means no active debt exists, yet a late payment is still being reported, damaging my credit profile. FCRA 623 ( a ) ( 1 ) ( A ) clearly prohibits furnishers from reporting information they know or should know is inaccurate. You are required under FCRA 611 to conduct a reinvestigation and obtain proof such as signed billing statements or verified payment records. If you can not provide concrete documentation that I was late, you must remove this derogatory information completely. Continuing to report unverifiable data after my first dispute could be considered willful noncompliance, which under FCRA 616 allows me to seek statutory damages. This account should reflect a perfect payment history or be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$230.00} Late Payment * * I am disputing this late payment because it is not supported by verifiable evidence and is harming my creditworthiness. FCRA 607 ( b ) requires credit bureaus to maintain maximum possible accuracy, and that means you must confirm this data directly with the furnisher, not just rely on automated reporting systems. If there is no proof of late payment such as statements or official notices sent to me, this derogatory status must be removed. Under FCRA 611 ( a ) ( 1 ) ( A ), you are obligated to conduct a proper reinvestigation and delete any information that can not be verified. Continued reporting without proof may constitute negligent noncompliance under FCRA 617. Please ensure this account is corrected to show an accurate payment history or remove the negative marks. 

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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