Consumer complaint received 2025-07-28 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Address Law Issue : FCRA 1681e ( b ) Story : I did not live or receive any financial service at this location. This address is being reported inaccurately and is creating confusion and potentially linking me to fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law Issue : FCRA 1681c ( f ) Story : This address has no connection to my residential history. The bureau failed to verify residency data with permissible purpose before reporting it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff XXXX XXXX Law Issue : FCRA 1681s-2 ( a ), 1681e ( b ) Story : This {$19.00} charge-off is self-reported and unverifiable. I was never notified of the delinquency, and I dispute its accuracy and legitimacy. 

XXXX XXXX XXXX XXXX Chargeoff * Law Issue : FCRA 1681i ( a ), 1681e ( b ), FDCPA 807 ( 8 ) Story : This charge-off in the amount of {$8300.00} is disputed as I never received proper notice, validation, or billing that justifies this account. It appears erroneous or duplicative of another account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff * * Law Issue : FCRA 1681s-2 ( a ), 1681e ( b ) Story : This {$43.00} charge-off is self-reported and not verifiable. No documentation has ever been shared with me, and I dispute this record. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Law Issue : FCRA 1681c ( a ), 1681s-2 ( a ) ( 1 ) ( A ) Story : This account shows a late payment despite having been paid as agreed. This record is inaccurate, and I request documentation validating the date and status of the reported late payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff * * Law Issue : FCRA 1681e ( b ), 1681i Story : A {$730.00} charge-off listed as self-reported does not match my account records. The entry is unverifiable and has never been validated or explained. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection * * Law Issue : FCRA 1681i ( a ), FDCPA 809 ( b ) Story : This {$13000.00} collection account has not been validated as required under federal law. I have not received any debt verification notice, and I dispute its accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff * * Law Issue : FCRA 1681e ( b ), 1681i Story : This charge-off lists a {$0.00} balance, which makes no sense in context and leads to confusion. The reporting is inaccurate and misleading and should be removed if unverifiable. 

XXXX XXXX XXXX  XX/XX/XXXX Inquiry Law Issue : FCRA 1681b ( a ) ( 3 ) Story : I did not apply for credit or services from XXXX XXXX on this date. This inquiry is unauthorized and appears fraudulent. 

XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 1681b ( c ) Story : This inquiry was not made with my consent or in relation to any application. It was placed without permissible purpose and violates federal law. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 1681b ( a ) ( 3 ) ( A ) Story : I never sought credit from XXXX XXXX XXXX on this date. This is an unauthorized inquiry and must be removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 1681b ( c ) ( 1 ) ( A ) Story : This inquiry was made without my knowledge or application. No permissible purpose existed for pulling my credit. 

XXXX XXXX  XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 1681b Story : I did not give authorization for XXXX XXXX  XXXX to access my credit. This inquiry was not initiated by me and is unlawful. 

XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 1681b ( a ) ( 3 ) Story : I did not apply for credit with XXXX XXXX on this date, making this inquiry unauthorized and harmful to my report. 

XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 1681b Story : I never gave authorization for this credit check, nor was there an application submitted. This inquiry is in violation of my consumer rights. 

These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.

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