Consumer complaint received 2025-11-06 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:
To Whom It May Concern, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) against the reporting of false and inaccurate information by the credit bureaus and furnishers. The information listed below is materially incorrect, misleading, and in violation of federal law. I demand a full investigation, immediate correction, and written confirmation of actions taken in compliance with my consumer rights. 

XXXX XXXX XXXX XXXX, CA XXXX This address has never been associated with my verified residency and remains an erroneous listing that misrepresents my identity and location. Continuing to report a false address violates FCRA 1681c ( f ) and 1681e ( b ) as it creates misleading personal information on my file. I have previously requested its removal, yet it persists. Retaining unverifiable address data without supporting documentation from an original furnisher is noncompliance under 1681i ( a ) which requires prompt reinvestigation and correction of any disputed information. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is inaccurately reported and has no verifiable link to me. Under FCRA 1681i ( a ) ( 1 ) ( A ), you are required to reinvestigate disputed personal information and delete unverifiable data. Keeping this incorrect address affects the integrity of my entire credit file and could lead to mixed or merged file errors, violating 1681e ( b ) by failing to maintain maximum possible accuracy in consumer reports. 

XXXX XXXX XXXX XXXX  CHARGEOFF HIGH BALANCE : {$15000.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX  This account remains inaccurately reported as a charge-off and contains unverified balance data. Under FCRA 1681s-2 ( b ), furnishers must investigate disputed information and provide verification with documented evidence, not automated e-Oscar responses. The balance shown and the charge-off status are inconsistent with my actual payment history. Reporting a high balance or charge-off without substantiating records violates 1681e ( b ) and 1681i ( a ). No valid documentation confirming the alleged delinquency has been produced. Continuing to report unverifiable financial data demonstrates negligent disregard of federal accuracy standards. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHARGEOFF BALANCE OWED : {$2500.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX  This account is inaccurately reported and unverifiable. The balance listed and charge-off status contradict original billing statements. According to FCRA 1681i, credit reporting agencies must delete information that can not be verified. GS Bank has not provided sufficient evidence validating the alleged debt, violating 1681s-2 ( b ). Reporting unverifiable debt data damages consumer integrity and fails to maintain accuracy standards required under 1681e ( b ). Reinvestigation must be conducted in compliance with federal law, and if documentation can not be produced within 30 days, this account must be deleted immediately. 

The repeated negligence and willful disregard of federal law by both the credit bureaus and furnishers have caused significant emotional distress, financial harm, and denial of credit opportunities. I expect the Consumer Financial Protection Bureau to take swift enforcement action ensuring compliance with the FCRA and FDCPA, and that these entities are held accountable for maintaining false and harmful data.

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