Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains false, misleading, and unverifiable information that violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable laws. These inaccurate items are severely harming my creditworthiness, creating unfair obstacles in my financial life, and denying me fair access to credit and housing. Despite disputes, the reporting bureaus have continued to allow this harmful and unlawful information to remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address This address is incorrect and should not appear on my credit report. I have never resided at this property, received mail there, or established any financial accounts linked to this location. By including this false address, the bureau creates confusion about my true identity and ties me to accounts or inquiries that are not mine. The FCRA requires agencies to maintain maximum possible accuracy, yet no supporting documentation such as lease agreements, utility bills, or government records has ever been produced to verify my connection to this property. Repeatedly reporting this address after disputes violates 15 U.S.C. 1681i, which obligates a reinvestigation. Continuing to associate me with this incorrect identifier could create identity mix-ups and false attribution of debt. The law is clear : unverifiable information must be deleted, not continuously re-reported. No evidence has been sent to me to substantiate this address, meaning it is inaccurate and harmful. The longer this remains, the more harm is caused to my file. Your legal duty is to maintain fairness and accuracy, yet this address remains. It is time to delete it permanently. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address This address is also false and must be removed immediately. I have no relationship to this location, and its continued presence on my report suggests a failure to properly verify data. No rental record, no mortgage file, and no verifiable utility statement has been supplied to prove I ever lived here. Reporting an address that does not belong to me violates FCRA 15 U.S.C. 1681e ( b ), which requires procedures to ensure accuracy. Each time I request a reinvestigation, the bureau simply continues to report it without proof, which shows a lack of compliance. Wrong addresses can link me to accounts I never opened and increase the risk of fraud, which causes me direct financial harm. The law requires deletion of unverifiable data, and after three rounds of disputes, the continued presence of this address is willful disregard of consumer rights. I am not associated with this property, and unless original source documents are provided, the bureau is knowingly misreporting. You are required by law to delete this data within 30 days. I expect immediate removal of this address. 

XXXX XXXXXXXX XXXX Late Payment * * Date Opened : XX/XX/year> Balance Owed : {$11.00} This account is being reported with late payment history, but no creditor records, billing statements, or contractual proof have been produced to validate the delinquency. Under FCRA 15 U.S.C. 1681i, the bureau must reinvestigate and obtain evidence, yet no documents have been provided. A late payment can not be listed on a credit file without certified proof from the original creditor, and in this case, the reporting is inaccurate and misleading. The continued presence of this unverifiable data damages my score and ability to obtain credit. Federal law requires maximum possible accuracy, but the reporting here is not accurate or verified. The account balance itself is small, yet the harm to my credit is severe because even one false late payment lowers my score significantly. The creditor has not provided original payment ledgers, signed contracts, or clear evidence that I was ever delinquent. Continued reporting without validation is willful noncompliance. If this account can not be fully verified with certified records, it must be deleted. You are not permitted by law to publish data that can not be proven. I demand its immediate removal. 

I request that the CFPB ensure the immediate deletion of the false addresses and the correction or deletion of the inaccurate late payment account. The continued reporting of these items is in direct violation of FCRA provisions and causes ongoing damage to my financial well-being. I ask for enforcement action, full reinvestigation, and corrective measures to protect my rights as a consumer.

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