Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
To Whom It May Concern, I am writing this formal dispute and complaint letter regarding several inaccurate, misleading, and unverifiable items being reported on my credit file. These errors are severely damaging my credit profile, preventing me from accessing fair credit opportunities, and causing ongoing financial and emotional harm. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, fair, and fully verifiable reporting. The following items are in direct violation of those protections. 
I respectfully request that you conduct a full reinvestigation of these accounts, inquiries, and addresses, and remove any and all items that can not be 100 % verified with documented evidence. 
XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This is an incorrect and fraudulent address that does not belong to me. 
Law : Under FCRA 609 ( a ) ( 1 ) and 611, consumer reporting agencies must maintain accurate personal identification information and remove unverifiable or incorrect data. Reporting a wrong address creates the risk of mixed files and identity confusion. 
Story : I have never lived at this address, nor do I have any association with it. Including this wrong address on my report paints a completely false picture of my identity. When lenders see multiple addresses that do not belong to me, they may assume instability, fraud, or suspicious activity. This leads to unnecessary rejections for credit, higher interest rates, and lost financial opportunities. Every time I apply for credit, I live with the fear that this misinformation is undermining my ability to be seen as a trustworthy consumer. These errors are not just technical mistakesthey carry real emotional and financial consequences, as I constantly have to explain and defend myself for addresses I have no connection to. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : Incorrect personal information reported. 
Law : FCRA 611 ( a ) gives me the right to dispute inaccurate information and requires credit bureaus to delete unverifiable items.

Story : I have never lived at this location, and yet it remains attached to my credit file. This creates confusion and suspicion for lenders who may question my residency history. False addresses not only distort my personal profile but also expose me to the risk of identity theft. If someone at this address were to open fraudulent accounts, my file could be wrongly linked to their activity. This false reporting damages my integrity, creates undue emotional stress, and unfairly impacts my ability to qualify for credit, housing, and even employment. 
XXXX XXXX XXXX High Balance : {$590.00} Date Opened : XX/XX/XXXX Charge Off Issue : Account is being reported inaccurately as a charge-off. 
Law : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. Additionally, FCRA 609 and 611 require proper verification.

Story : This account is being reported as a charge-off without proper verification or supporting documentation. I dispute this reporting because it presents an unfair and misleading version of my financial history. A charge-off is a serious negative mark that suggests I abandoned my financial responsibility, which is absolutely untrue. By reporting this item without full verification, my rights have been violated. This inaccurate report has already resulted in credit denials, higher costs of borrowing, and significant stress. It feels as though my entire reputation as a consumer is being destroyed by something that can not be verified. 
XXXX XXXX High Balance : {$46000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payment being reported inaccurately. 
Law : FCRA 607 ( b ) requires maximum possible accuracy, and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ) prohibits false or misleading representations of debt status.

Story : This late payment is being reported in a misleading and damaging way. Life events sometimes create unavoidable financial strain, but reporting a single mistake without context does not reflect my full financial history or my ongoing efforts to remain responsible. This unfair reporting makes me appear as though I am unreliable, when in fact I have always made genuine attempts to pay my obligations. The consequences of this misreporting have been devastatinglost opportunities for credit, higher insurance premiums, and emotional stress from being misjudged. Lenders see this and assume the worst, while the reality is far more complex. It is deeply unfair and harmful to my financial future. 
XXXX Inquiry on XX/XX/XXXX Issue : Inquiry reported without permissible purpose. 
Law : FCRA 604 strictly regulates permissible inquiries. 
Story : I never applied for credit with XXXX, yet this inquiry suggests otherwise. It portrays me as a person seeking loans I never pursued, which makes me look financially desperate or unstable. These false impressions carry real-world consequences, as creditors often deny applications based on multiple inquiries. Beyond financial damage, it causes ongoing stress and emotional strain, as I constantly have to defend myself against actions I never took. 
XXXX XXXX on XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA 604 and 609 require inquiries to be permissible and verifiable. 
Story : I never requested any loan or service with XXXX on this date, yet this inquiry has been wrongly placed on my file. This creates an inaccurate picture of my credit-seeking behavior and lowers my credit score unfairly. It makes me look like a risk to lenders when I am not. Every time I am denied credit or offered higher interest rates, I am reminded of the harm caused by unauthorized actions outside my control. 
XXXX XXXX XXXX XXXX  Inquiry on XX/XX/XXXX Issue : Inquiry was not authorized by me. 
Law : FCRA 604 prohibits reporting inquiries without consumer consent.

Story : This inquiry is false and misleading. I did not authorize it, nor did I apply for credit with this company on the reported date. Its presence on my report unfairly portrays me as irresponsible. I live with the emotional burden of knowing that lenders are judging me based on inaccurate information, and it creates obstacles every time I try to move forward financially. These inquiries are not harmlessthey lower my score, block opportunities, and cause ongoing hardship. 
Closing Statement These inaccurate addresses, false account statuses, and unauthorized inquiries are clear violations of my rights under the FCRA and related consumer protection laws. They have created a false, damaging image of my financial history, limiting my opportunities, causing emotional distress, and putting my financial stability at risk. I demand that you conduct a full reinvestigation of these items and remove them immediately if they can not be 100 % verified with documented proof. 
Failure to comply will leave me no choice but to escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for enforcement of my rights. 
I expect written confirmation of your reinvestigation and the results within the legally required 30 days under FCRA 611.

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