Consumer complaint received 2025-07-24 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 with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies for reporting inaccurate and unverifiable information on my consumer credit file which is causing significant harm to my financial well-being and reputation the items listed below include incorrect addresses late payment history and an unauthorized inquiry all of which I am disputing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) and I request immediate reinvestigation and correction of these issues. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Address Law : FCRA 1681e ( b ), 1681i Issue : This address is inaccurately associated with my credit file. I have never lived at, rented, or been affiliated with this location. 
Story : I believe this address was reported mistakenly or due to an identity mismatch. Reporting an address I have no association with harms my profile and violates accurate reporting responsibilities. I request this address be removed immediately. 

XXXX XXXX XXXX XXXX, XXXX  XXXX Address Law : FCRA 1681e ( b ), 1681i Issue : This address is completely unrelated to me and is an error in my credit report. 
Story : I have no known relation to this property, and its reporting could affect my creditworthiness or cause confusion during verification processes. This address must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} * * Law : FCRA 1681s-2, 1681e ( b ), 1681i Issue : This account is showing as charged off with a balance I do not recognize. 
Story : I was never properly notified about this account going into chargeoff status, and no full validation has been provided to confirm this debt belongs to me. I believe this may be a reporting error or due to unauthorized use. Please investigate and provide all supporting documentation or remove this entry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} * * Law : FCRA 1681s-2 ( a ), 1681i Issue : The late payment reporting is inaccurate and misrepresentative. 
Story : I made arrangements due to financial hardship and believe the reporting of late payments is unjustified. The lender did not follow up as agreed, and this has severely damaged my credit. I dispute the accuracy and demand correction or deletion of the derogatory marks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Date Opened : Not reported Balance Owed : {$71.00} * * Law : FCRA 1681e ( b ), 1681i Issue : This self-reported account lacks validation and is not verifiable. 
Story : I do not recall authorizing a telecom self-reporting service, and no detail such as opening date or creditor contact has been provided. This account is incomplete and unverifiable, and I request it be removed immediately. 

XXXX XXXX XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} * Law : FCRA 1681s-2 ( a ), 1681e ( b ), 1681i Issue : Duplicate or incorrect chargeoff without full validation. 
Story : I believe this item is either inaccurately reported or incorrectly duplicated with another XXXX account. The reporting is inconsistent and lacks clarity. Please provide complete validation or remove. 

XXXX XXXX XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} * Law : FCRA 1681s-2 ( a ), 1681e ( b ), 1681i Issue : Potential duplication with above XXXX  account and incorrect balance. 
Story : Having XXXX different balances from the same creditor and same open date raises concern. I need clarity on the origin of this account. If this is a duplication, it must be deleted immediately. 

XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance Owed : {$760.00} * Law : FCRA 1681e ( b ), 1681s-2 ( a ), 1681i Issue : Chargeoff status and balance inaccurate or unvalidated. 
Story : I do not recall defaulting on this account. I request the full validation of the debt including original creditor, contract, and payment history. Until validated, I ask for deletion under my consumer rights. 

XXXX XXXX Inquiry XX/XX/XXXX Law : FCRA 1681b ( c ), 1681b ( f ), 1681e Issue : This inquiry was unauthorized and I never applied for credit with this company. 
Story : I did not initiate or consent to any credit transaction that would permit this hard inquiry. This inquiry violates the permissible purpose requirements under FCRA. Remove this immediately. 

Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the XXXX timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and other legal channels including civil liability under 15 USC 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