Consumer complaint received 2025-09-03 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:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The address listed above appears in my credit file, yet I have no verifiable connection to this residence. According to FCRA Section 609 ( a ) ( 1 ), any information reported must be supported with documented proof of accuracy and ownership. I have never lived at this address, nor have I signed any lease, utility agreement, or contract that would legally tie me to this location. Reporting such an unverified address creates a misleading impression about my identity and history. Unless the bureau can provide original signed documentation linking me to this property, it must be removed immediately. Continuing to report inaccurate addresses constitutes willful non-compliance under FCRA Section XXXX, and subjects the bureau to liability for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Similarly, this address is falsely listed under my credit history. I have never resided at, used, or been associated with this location in any legal or financial capacity. As required by FCRA Section 602 ( a ), credit bureaus are obligated to maintain the highest level of accuracy because consumers depend on truthful reporting for creditworthiness. Without any signed lease, valid identification, or documented record proving my residency at this address, its continued inclusion on my report is a direct violation of my consumer rights. The presence of such unverifiable information not only damages my credit standing but also opens the possibility of identity confusion, which the law strictly prohibits. I demand this address be fully investigated and permanently deleted unless absolute proof is produced. 

Accounts XXXX XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Charge-off * * This account is reported as a charge-off, yet the details surrounding its reporting remain incomplete and unverifiable. Under FCRA XXXX ( b ), furnishers are required to maintain maximum possible accuracy, but here the reporting leaves open questionssuch as whether the account was sold, transferred, or still legally collectible. A consumer can not be left with gaps in reporting that paint a misleading financial picture. Without providing the original signed agreement, full payment history, and exact details of the charge-off event, this record can not be lawfully verified. The story this account tells is XXXX of incomplete and harmful data, which is exactly what the FCRA was designed to prevent. Because no verification has been provided to me, I demand that this account be removed immediately in compliance with the law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Charge-off * * This account continues to appear as a charge-off despite my prior dispute. The issue here lies not only in the charge-off status but also in the manner of reporting. The balance and timeline suggest possible re-aging, which is specifically forbidden under FCRA 605 ( a ). The law sets clear limits on how long derogatory items may remain, and any attempt to refresh the reporting date is a direct violation. Without original billing statements and proof of the date of first delinquency, the account can not be trusted as accurate. A credit file should not create the illusion of a fresh delinquency when the debt is much older. This is misleading, harmful, and unlawful. The story this account tells is that of an item clinging to my report beyond what the law allows, which must be corrected by removal. 

XXXX XXXX * * * * * * * * Date Opened : XX/XX/XXXX XXXX XXXX : {$4700.00} Charge-off * * This item continues to show as a charge-off, but the supporting documentation has never been provided. Under FCRA 611, once a consumer disputes an account, the burden shifts to the furnisher and bureau to prove accuracy. I have not received the original signed contract, account statements, or records validating this balance. The absence of verifiable proof means the item is incomplete and misleading. Furthermore, FDCPA 807 prohibits the use of any false or deceptive means in collecting or reporting a debt. Reporting a charge-off without showing the legal basis for the balance falls into this category. The story this account tells is one where a derogatory status is assigned to me without evidence. The law requires accuracy, and without proper verification, this account must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7600.00} Late Payment XXXX XXXX  This account is reported with late payments, but the information remains unverified. Under FCRA 623 ( a ) ( 1 ), furnishers are not permitted to report information they know or should know is inaccurate. No documentation has been provided to establish the validity of these alleged delinquencies. Without billing records and a verified payment history, the reporting is incomplete. The story told here is one of a consumer marked delinquent based on assumption rather than fact. The damage this causes is significant, as payment history makes up the largest factor of a credit score. To report late payments without supplying verifiable proof is unlawful and in direct conflict with FCRA 611. Therefore, I request immediate deletion of these entries. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX  This account shows a {$0.00} balance but is still marked with late payment history. Under the FCRA, information must be both accurate and relevant. Reporting derogatory history on a debt that no longer exists is misleading and damaging. The story this account tells is that of false defamation, where my credit is harmed by an item tied to no current obligation. Without a legally binding contract and proof of valid delinquency dates, the bureau can not maintain this reporting. The law is clear that unverifiable and irrelevant data must be deleted. Keeping this item violates my rights under FCRA 609 and 611. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This reporting suggests late payments on an account that shows a {$0.00} balance. Such reporting is inherently contradictory and misleading. Under FCRA 607 ( b ), credit bureaus are required to ensure data is accurate and not misleading. An account with no balance should not continue to damage a consumers report with derogatory marks. The story this account tells is one of continued harm despite the account being closed or resolved. Reporting this way is not only inaccurate but also a violation of the standards Congress placed in law. This item, unless fully validated with proof of missed payments and contractual records, must be deleted. 

XXXX XXXX CO XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$6000.00} Charge-off * * This account is reported as a charge-off, but again, no substantiating evidence has been provided. FCRA 611 requires that all disputed items undergo reinvestigation, yet the credit bureau continues to report this without providing me with proof. The absence of an original signed agreement, billing statements, and a verified record of default makes this reporting unverifiable. The story here is that of an account being used against me without the proper documentation that the law requires. This is a direct violation of consumer protection rights. If XXXX XXXX can not provide full and complete records, then this account must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX This inquiry was placed on my report without my consent. FCRA XXXX strictly limits inquiries to situations where the consumer has initiated a transaction. I did not apply for credit with XXXX XXXX XXXX XXXX on the reported date. The story this inquiry tells is XXXX where my private financial information was accessed improperly, causing reputational and credit harm. Such unauthorized activity is unlawful and must be corrected. Unless XXXX XXXX provides proof of a signed application, this inquiry is impermissible and must be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX is listed as having accessed my credit report, yet I never initiated or authorized such an application. Under the law, inquiries must be tied to a consumer request for credit, insurance, or employment. None of these circumstances apply in this case. The story this entry creates is that of a third party obtaining my credit file without legal basis, which is a violation of my consumer rights. This type of reporting is damaging, and unless XXXX can show written authorization, the inquiry is unlawful and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was recorded on my report without any permissible purpose. FCRA XXXX requires consumer authorization or a legitimate credit transaction, and I did not initiate XXXX with XXXX XXXX XXXX XXXX The story here is that a company obtained access to my personal financial records without my consent, which is both unlawful and harmful. An inquiry lowers credit standing, and when unauthorized, it amounts to an invasion of privacy. If XXXX can not prove a valid consumer request, this inquiry must be deleted to comply with the law. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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