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: IL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit reports are reflecting inaccurate and unverified information that is severely damaging my credit profile, creating barriers to my financial stability, and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have already disputed multiple times with the credit bureaus and the furnishers, yet the items continue to be reported without proper investigation, without proper verification, and without compliance with federal laws. These repeated violations show negligence and a failure to conduct reasonable investigations as required under 15 U.S.C. 1681i. I am demanding immediate correction and deletion of these inaccuracies to restore my consumer rights. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX This address is not mine and never has been. Reporting a false address links me to residences and potential debts that are not connected to me. FCRA 607 ( b ) requires you to ensure maximum possible accuracy, yet this listing shows that you are associating me with data that is clearly unverified. This not only harms my reputation but also exposes me to the risk of mistaken identity or fraud. A reasonable reinvestigation would have confirmed that I never lived here, which proves that the earlier reviews were not conducted in good faith. 

XXXX XXXX XXXX XXXX XXXX IL XXXX This address is also inaccurate. By continuing to show an address where I never resided, you are violating my rights under FCRA 611. The law states that if a consumer disputes information, you must reinvestigate and either verify or delete it. Since no legitimate evidence links me to this address, its continued presence demonstrates negligence. This type of inaccurate reporting can have serious consequences when lenders or employers review my file, and I demand immediate removal. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments * * This account is reporting false late payments. I made timely payments, and any reporting to the contrary is inaccurate. Continued reporting of false lates shows that you are not ensuring accuracy under 607 ( b ). The law is clear that unverifiable information must be deleted. If XXXX XXXX can not provide complete proof of delinquency, this derogatory status must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments * * I dispute the late payments on this account because they are incorrect and unverifiable. FCRA requires that all derogatory information must be proven with records provided by the furnisher. If XXXX XXXX can not produce a payment history or contract signed by me, then continuing to report late marks violates 611. The fact that this account still reflects derogatory data after previous disputes is a clear sign of an inadequate reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments * * This account is inaccurately reporting late payments. I never received valid notice of delinquency, and the creditor has not provided proof despite multiple disputes. Under FCRA, consumer reporting agencies must delete information if it can not be verified. By allowing this unproven derogatory data to remain, you are failing to comply with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off * * This account is listed as a charge off, but no valid supporting evidence has ever been provided. A charge off is a serious derogatory mark, and under FCRA 611 it can not remain unless verified with full original documentation. If the furnisher can not produce proof of liability, this reporting is both inaccurate and unlawful. It is your legal duty to delete it immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off * * This charge off is not mine and remains unverified. Despite repeated disputes, no contract, statements, or evidence have been provided. Under the FCRA, continued reporting of unverifiable information violates my consumer rights. Failure to remove this account shows willful noncompliance under 616-617. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments * * This account is showing false late payments. The furnisher has not produced records proving delinquency, and you are continuing to report without verifying accuracy. FCRA requires deletion if the data can not be confirmed. Leaving this on my file harms my credit standing and demonstrates that your reinvestigation procedures are neither fair nor reasonable. 

The above-listed addresses, accounts, and inquiries are inaccurate, unverified, and being reported in violation of federal consumer protection laws. The credit bureaus and furnishers are required under the FCRA to ensure maximum accuracy, to conduct proper investigations, and to correct or delete information that can not be verified. Their failure to comply has caused me financial harm, emotional distress, and denial of fair credit opportunities. I am requesting the CFPB to take immediate enforcement action and ensure that all disputed items are corrected or deleted. Continued reporting of unverifiable and inaccurate information is willful noncompliance, and I reserve my right to pursue further legal remedies under 15 U.S.C. 1681n and 1681o.

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