Consumer complaint received 2025-08-16 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 ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
ADDRESS XXXX XXXX XXXX XXXX, CA XXXX Law Issue : FCRA 607 ( b ) mandates accurate information Issue : This address does not belong to me Story : The presence of this wrong address could cause reporting errors and indicates sloppy recordkeeping by furnishers. Please delete this address immediately XXXX XXXX XXXX XXXX XXXX, CA XXXX Law Issue : FCRA 609 ( a ) ( 1 ) entitles me to complete and accurate information Issue : This address is being wrongfully reported Story : I have no residency connection to this location, and its reporting violates my consumer rights under the FCRA ACCOUNTS XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA 609 and 611 require accuracy and reinvestigation of disputed late payments Issue : This account is reporting a late payment inaccurately despite a {$0.00} balance Story : It is impossible to have late payments on an account with no outstanding balance, proving this report is inaccurate and must be corrected or deleted XXXX XXXX  XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$470.00} Chargeoff * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know is inaccurate Issue : This account is being reported as a chargeoff inaccurately Story : I dispute the validity of this chargeoff and request validation or deletion as required under the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Late Payment * * Law Issue : FCRA 607 ( b ) maximum accuracy requirement Issue : Late payments are being inaccurately reported Story : I have not received proper validation of this accounts alleged late history. Please delete or correct immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : FCRA 611 requires deletion of unverifiable accounts Issue : A chargeoff is being reported despite a XXXX balance Story : This is a contradiction and proves inaccuracy. Please delete XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$780.00} Chargeoff * * Law Issue : FCRA 609 & 611 accuracy and reinvestigation requirement Issue : This account is being reported as a chargeoff without proper validation Story : I dispute this account entirely and demand a reinvestigation and deletion XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00} Chargeoff * * Law Issue : FCRA 623 prohibits furnishing of inaccurate or unverifiable information Issue : This account is reporting as charged off inaccurately Story : I request validation documents ; if unavailable, this account must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA 607 ( b ) maximum possible accuracy requirement Issue : A late payment is being reported on an account with no balance Story : This contradiction shows the reporting is false and must be removed XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Chargeoff * * Law Issue : FCRA 611 right to reinvestigation Issue : This chargeoff is disputed and unverifiable Story : I dispute the accuracy of this chargeoff and request full validation or deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Late Payment * * Law Issue : FCRA 607 ( b ) maximum accuracy requirement Issue : Late payment history is inaccurate Story : I dispute the validity of these alleged late payments and demand deletion if not fully validated XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits inaccurate reporting Issue : Late payments reported are inaccurate Story : This accounts late history can not be verified. I demand correction or deletion XXXX XXXX XXXX CO XXXX Date Opened : XX/XX/XXXX Balance Owed : {$360.00} Collection * Law Issue : FDCPA 807 prohibits false representation of debts, FCRA 611 requires reinvestigation Issue : This collection is inaccurate and unvalidated Story : I request validation. If none is provided, this collection must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Chargeoff * * Law Issue : FCRA 611 requires deletion of unverifiable information Issue : The chargeoff is unvalidated and inaccurate Story : I dispute this accounts reporting and demand deletion unless proper validation is provided INQUIRIES XXXX XX/XX/XXXX Law Issue : FCRA 604 requires proper authorization Issue : This was not authorized Story : I did not approve this inquiry and request deletion XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : This is unauthorized Story : This inquiry damages my credit score and must be removed immediately XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : Inquiry not authorized by me Story : I never applied with XXXX, so this inquiry is invalid and must be deleted XXXX XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 permissible purpose requirement Issue : Unauthorized inquiry Story : I did not provide consent for this inquiry. Please delete XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Issue : Unauthorized hard inquiry Story : I never sought credit with Ally Financial. Delete this inquiry XXXX XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 Issue : Unauthorized inquiry Story : This inquiry is invalid and must be removed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Law Issue : FCRA 604 Issue : Unauthorized inquiry Story : I never applied with XXXX XXXX or XXXX. Remove this immediately XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 Issue : Unauthorized inquiry Story : This inquiry has no permissible purpose and must be deleted I am asking the Consumer Financial Protection Bureau XXXX CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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