Consumer complaint received 2025-07-12 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 formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies Address Dispute : XXXX XXXX XXXX XXXX XXXX XXXX  Law Issue : This address does not belong to me and is being inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i ( a ), which requires credit bureaus to maintain accurate and verifiable information.

Story : I have never lived at or used this address in any financial or personal capacity. Its presence on my report is damaging and misleading and is likely the result of a data merge error or identity confusion.

Address Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Issue : Reporting this incorrect address violates FCRA 15 U.S.C 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy.

Story : I have never been associated with this location, and I am concerned that this may be affecting the accuracy of my credit report or linked to fraudulent activity. 
Account Dispute : XXXX XXXX XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : This account is inaccurately reported as a charge-off despite showing a {$0.00} balance. This violates FCRA 15 U.S.C 1681i and 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ) which prohibit furnishing outdated or incorrect information.

Story : I paid this account and resolved it in full. There should be no charge-off remark. This inconsistency is harming my credit standing and must be corrected or deleted.

Account Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : Per FCRA 15 U.S.C 1681e ( b ), credit bureaus are required to ensure the accuracy and completeness of all reported data.

Story : This account was fully paid and closed, yet it still reflects a derogatory late payment status. This is misleading and damaging and should be corrected or removed.

Account Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Chargeoff * * Law Issue : The Fair Credit Reporting Act requires that all information be verifiable, complete, and accurate ( FCRA 15 U.S.C 1681i ).

Story : This account has been reported as charged off with no valid proof of balance accuracy. I demand that you conduct a reinvestigation and remove this account if the creditor can not furnish documented proof.

Account Dispute : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Chargeoff Law Issue : This appears to be a duplicate of the earlier XXXX XXXX XXXX chargeoff account, which violates FCRA 15 U.S.C 1681e ( b ) by allowing duplicate negative accounts.

Story : Duplicate reporting of the same debt inflates my derogatory items and is misleading to future creditors. I am requesting immediate deletion of this duplicate record.

Inquiry Dispute : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : This hard inquiry was not authorized by me and violates FCRA 15 U.S.C 1681b ( c ) which requires permissible purpose for all inquiries.

Story : I did not initiate or authorize this inquiry and do not recognize the entity. Its presence lowers my credit score and reflects poorly on my credit activity.

Inquiry Dispute : XXXX XXXX XXXX  Dated XX/XX/XXXX Law Issue : Unauthorized hard inquiry in violation of FCRA 15 U.S.C 1681b ( f ) which prohibits obtaining consumer reports without a legitimate business purpose.

Story : I never applied for any credit or financing through XXXX XXXX XXXX on or around this date. This is an unauthorized access and must be removed immediately.

These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made

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