Consumer complaint received 2025-09-02 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 ) to formally dispute multiple inaccuracies on my credit report and unauthorized inquiries. These errors have caused significant harm to my creditworthiness, financial reputation, and ability to access credit. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate, incomplete, or unverifiable information. I request a full investigation, correction, and deletion of all erroneous items listed below. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address has never been associated with me as a residence or mailing address. Its reporting on my credit file is entirely inaccurate and misleads potential lenders, creating an erroneous connection to financial activity that is not mine. Under FCRA Section 609 ( a ) ( 1 ), I am entitled to verification of all personally identifiable information. Reporting an incorrect address without verification is a failure to maintain reasonable procedures to ensure maximum possible accuracy, violating FCRA Section 607 ( b ). This misreporting can cause identity confusion, rejected applications, and unnecessary credit denials. I demand immediate deletion of this address from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never resided at this property, nor have I ever authorized its use in connection with my credit history. Misreporting this address constitutes a failure to follow FCRA Section 607 ( b ) standards for accuracy. The repeated incorrect reporting of multiple Blandwood addresses introduces substantial risk of identity confusion and fraudulent association with obligations I do not owe. I demand deletion or correction of this entry to ensure compliance with federal law. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments High Balance : {$890.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX The late payments reported on this account are entirely inaccurate. I have consistently made payments on time, and the furnisher has failed to provide any documentation verifying these alleged late payments, which is a violation of FCRA Section 609 ( a ) ( 1 ). Reporting unverified late payments misrepresents my financial responsibility and damages my creditworthiness, potentially causing lenders to deny loans or credit cards. Additionally, FCRA Section 607 ( b ) obligates credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy. By reporting unverifiable late payments, the furnisher has failed this requirement, creating a false negative record in my credit file. I demand deletion of this account unless full verification is provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$20000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This charge-off is reported without proper verification or documentation. FCRA Sections 607 ( b ) and 611 ( b ) require that negative information be fully substantiated prior to reporting. Reporting this charge-off without verification constitutes inaccurate reporting and can mislead lenders into believing I defaulted on a debt I do not owe. This inaccurate reporting has a substantial negative impact on my credit score and limits my financial opportunities. I demand full deletion unless the furnisher provides proper documentation proving the validity of this charge-off. 

XXXX XXXX XXXX Late Payments High Balance : {$600.00} Date Opened : XX/XX/XXXXXXXX XXXX The late payments reported on this account are false. I have never missed payments on this account as alleged. Failing to verify late payments violates FCRA Section 609 ( a ) ( 1 ) and reporting inaccurate negative information without verification violates FCRA Section 607 ( b ). These false late payments misrepresent my financial behavior and can cause lenders to view me as a higher credit risk. I demand these entries be deleted immediately or corrected with accurate verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$1200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account is reported as a charge-off, which is completely inaccurate. I have consistently managed my obligations, and the furnisher has failed to provide any verification or documentation supporting this alleged charge-off. Under FCRA Section 609 ( a ) ( 1 ), I have the right to receive evidence for all reported negative information, and the failure to substantiate this charge-off constitutes a clear violation. Moreover, FCRA Section 607 ( b ) requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy ; reporting an unverifiable charge-off is a breach of that standard. The presence of this inaccurate charge-off negatively impacts my credit score, misleads lenders, and affects my ability to obtain loans, housing, or employment opportunities. I demand deletion unless proper documentation is provided immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection High Balance : {$460.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This collection account is inaccurate and does not belong to me. Reporting an unverified collection violates FCRA Sections 607 ( b ) and 611 ( a ), which require all reported information to be accurate, complete, and verifiable. The presence of this collection falsely portrays me as delinquent and irresponsible with debt obligations. Such reporting can lead to unjustified credit denials, higher interest rates, and other financial harms. I demand full reinvestigation, and if verification can not be provided, the account must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Collection High Balance : {$270.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account is being reported as a collection without proper verification. I have never incurred this debt, and its reporting is a violation of FCRA Sections 609 ( a ) and 611 ( a ). Reporting unverifiable negative information damages my creditworthiness, misleads lenders, and can result in denial of loans or employment. I insist upon immediate deletion unless the furnisher provides complete documentation proving the validity of this account. 

XXXX XXXX XXXX XXXX XXXX  Collection High Balance : {$310.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This collection account is inaccurate and does not pertain to me. Reporting unverified collections violates FCRA Sections 609 and 611, which protect consumers from false and unverifiable information. Its presence in my credit report misrepresents my financial behavior, affects my credit score, and can lead to denial of financial opportunities. Immediate deletion is required unless substantiated by verifiable documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$360.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This charge-off is inaccurately reported and has not been verified with any supporting documentation. Under FCRA Sections 607 ( b ) and 611 ( b ), all negative accounts must be substantiated before reporting. Reporting an unverifiable charge-off misleads lenders, harms my credit reputation, and can result in financial discrimination, higher interest rates, and denials of credit. I demand immediate reinvestigation and deletion if the furnisher can not provide documented proof. 

Inquiries XXXX XXXX XX/XX/XXXX This inquiry was conducted without my authorization, which violates FCRA Section 604 ( a ). Unauthorized inquiries artificially inflate the number of recent credit checks on my report, lowering my credit score and misleading lenders about my financial activity. Immediate deletion is required to ensure my credit report accurately reflects only authorized inquiries. 

XXXX XXXX XXXXXX/XX/XXXX This is a duplicate inquiry and was not authorized by me. Duplicate, unauthorized inquiries further harm my credit score and misrepresent my credit-seeking behavior. Under FCRA Section 604 ( a ), this inquiry must be removed to ensure compliance with federal law. I demand deletion immediately. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was unauthorized and violates

FCRA Section 604 ( a ). Reporting it without my consent misrepresents my financial activity and can negatively affect lending and credit decisions. Immediate deletion is required. Each of the items listed above contains errors that violate the Fair Credit Reporting Act. These inaccuracies cause real financial harm and impede my ability to obtain credit. I request the CFPB to enforce a full reinvestigation, correction, or deletion of all inaccurate accounts, addresses, and inquiries, and to ensure compliance with federal law. I am submitting this complaint directly to the CFPB for immediate action and oversight to protect my rights.

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