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 filing this complaint with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never lived at, used, or been associated with this address in any capacity. Reporting it suggests that my identity or credit file may be partially merged with another consumer, which is a serious violation of the FCRAs accuracy standards. Keeping this incorrect address exposes me to potential identity confusion, incorrect account linkage, and wrongful negative reporting. FCRA 1681i ( a ) requires you to reinvestigate disputed information and delete it if it can not be verified as belonging to me. As no lease agreement, utility bill, or government-issued record can tie me to this address, you must remove it to prevent further damage to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$510.00} This account is being reported with late payments that are not correct. I have reviewed my records, and there is no evidence of the delinquency reported. Under FCRA 1681i ( a ), you must reinvestigate and provide me with complete documentation, including billing statements and payment ledgers that support this claim. If the furnisher can not produce such evidence, the late payment reporting must be corrected or deleted immediately. Continuing to report unverifiable derogatory data is a violation of your duty to maintain maximum possible accuracy under FCRA 1681e ( b ). Reporting inaccurate late payments significantly lowers my credit score, impacts my ability to obtain credit, and misrepresents my financial reliability to lenders. I am demanding either verified proof or immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$700.00} This account is showing as charged-off, which is an extremely negative status and must be backed by solid evidence. Under the FCRA, you are required to ensure that the data being reported is complete and accurate. I am demanding a full investigation that includes obtaining a copy of the signed credit agreement, complete payment history, and charge-off notice from the creditor. If such documentation can not be produced, this charge-off must be removed entirely. Continuing to report unverifiable negative data may constitute willful noncompliance under FCRA 1681n and could subject your agency to liability. This account, as it is currently being reported, misleads potential creditors into believing I defaulted when no verified proof exists. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$590.00} This account is reporting late payments that I do not recognize, and no documentation has been provided to prove the validity of these derogatory entries. FCRA 1681i ( a ) ( 1 ) requires a reasonable reinvestigation when disputed. I expect you to obtain original creditor records showing the exact dates of delinquency and proof that they were reported correctly. If you can not provide this verification within the 30-day period, you must delete the negative reporting. Continued reporting without validation damages my reputation and credit standing, which is a violation of my rights as a consumer. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reporting a late payment on a XXXX-balance account is misleading and creates an inaccurate representation of my payment behavior. There is no outstanding debt, so a late payment notation is illogical and unfairly damages my creditworthiness. Under FCRA 1681e ( b ), you are required to ensure maximum possible accuracy in your reporting. If you can not produce billing statements or other proof confirming that a late payment actually occurred, this account must be updated to reflect a positive or neutral status or be deleted entirely from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} The late payment reporting on this account is not correct. A XXXX balance account can not logically report as late, as there was no obligation due at the time. This erroneous reporting damages my credit score and violates FCRA 1681e ( b ). I am requesting that you obtain written proof from the furnisher confirming the dates of delinquency. If no such proof can be produced, you must delete this late payment record immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} This account is reporting late payments that I dispute as inaccurate. You are required under the FCRA to conduct a reinvestigation and provide the exact dates of delinquency, payment history, and verification from the furnisher. If this can not be provided, the late payment entries must be deleted. Reporting unverifiable late payments harms my credit profile and my ability to secure credit, housing, or employment. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reporting a late payment on an account that has been fully paid is both misleading and in violation of FCRA accuracy requirements. You must confirm with the furnisher that a payment was actually late and provide supporting documentation. If no such documentation exists, you are required under FCRA 1681i ( a ) ( 5 ) ( A ) to remove the derogatory notation from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} This student loan account is reporting a late payment that is not correct. Servicers are required to report accurately under FCRA 623. I demand proof of the alleged delinquency, including payment records and notices of default, or this negative information must be removed. Continuing to report without validation harms my credit and may subject you to liability. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} This is a duplicate issue where late payment reporting is inaccurate and not backed by valid documentation. You must verify this information directly with the servicer and provide me with proof. If you can not do so, you must delete this negative reporting as required by law. 

INQUIRIES XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me and should be deleted under FCRA 1681b, which restricts permissible purposes for pulling a consumer report. Keeping unauthorized inquiries damages my credit and constitutes negligent reporting. 

XXXX XXXX XX/XX/XXXX This inquiry was not initiated by me and must be removed. If you can not provide documentation showing my express consent or a firm offer of credit, you must delete this inquiry from my file. 

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

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