Consumer complaint received 2025-08-12 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 submitting this complaint to the Consumer Financial Protection Bureau ( XXXX  ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( XXXX  ) and protect consumers from unfair and inaccurate credit reporting practices. 

ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Law/Issue : FCRA XXXX ( A ), XXXX ( B ) Reporting inaccurate personal information violates the requirement to ensure maximum possible accuracy. 
Story : I have never lived at or been associated with this address. Including this address creates a false identity link and misrepresents my personal history, which may cause confusion with accounts that are not mine. I request immediate removal. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Law/Issue : FCRA XXXX ( A ), XXXX ( A ) Reporting inaccurate address information violates consumer rights to accurate records. 
Story : This address is incorrect and unrelated to my personal or financial history. Including it poses a risk of associating me with accounts or activities that are not mine. Please remove. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law/Issue : FCRA XXXX ( B ), XXXX Late payment reporting must be accurate and verifiable ; unverifiable late marks must be deleted. 
Story : I dispute the accuracy of this late payment. The account was either paid on time or reporting is incomplete. I demand proof with complete payment history, or its deletion from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$230.00} Late Payment * * Law/Issue : FCRA XXXX ( B ), XXXX Any negative payment status must be fully verifiable and reported with maximum possible accuracy. 
Story : I dispute the reported late payment. Records do not support the alleged delinquency. If the furnisher can not produce documented proof, it must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Late Payment * * Law/Issue : FCRA XXXX, XXXX ( B ) Reporting late payments without sufficient proof violates the requirement for accurate data. 
Story : I dispute the late payment history. Without verified documentation from the original creditor, this negative status must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Late Payment * * Law/Issue : FCRA XXXX ( B ) Unverified derogatory information must be corrected or deleted. 
Story : I request validation of the late payment claim. If validation is not provided, please delete the late payment reporting. 

XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Charge Off * * Law/Issue : FCRA XXXX, XXXX ( B ), FDCPA XXXX ( XXXX ) Reporting of a charge-off without full substantiation is inaccurate and misleading. 
Story : I dispute this charge-off. I request original account-level documentation proving the debt, balance, and ownership. If it can not be verified, it must be deleted. 

I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

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