Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau because my credit report contains inaccurate and unverified information that has severely impacted my creditworthiness. I have attempted to resolve these matters directly with the credit bureaus and furnishers ; however, the errors remain despite multiple disputes and supporting evidence. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate, complete, and verifiable credit reporting. The continued presence of these inaccuracies represents clear violations of my consumer rights, as outlined in the FCRA and FaiXXXX XXXX Billing Act ( FCBA ). 

Address : XXXX XXXX XXXX XXXX, CA XXXX This address is being falsely reported on my credit file as a place of residence when it has no verified or documented connection to me. Under FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to receive the source of information reported on my file, and under Section 607 ( b ), you must ensure maximum possible accuracy of consumer information. By reporting this address without proof of residency, XXXX  is in violation of these provisions. I never authorized or provided this address as part of any application or credit activity. Continued reporting of this false address creates confusion and misrepresentation of my identity, which is a direct violation of the FCRA and must be permanently deleted. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$440.00} Date Opened : XX/XX/year> This account reflects inaccurate and unverified late payment reporting which is damaging to my credit reputation. I have no record or contract proving the legitimacy of this payment history, and no valid documentation has ever been provided verifying that these late payments were accurate or belong to me. Under FCRA Section 611 ( a ), a consumer has the right to dispute any information believed to be incorrect, and the credit bureau must conduct a reasonable reinvestigation within the prescribed time frame. Additionally, under FCRA Section 623 ( a ) ( 3 ), furnishers of information must not report data they know or have reasonable cause to believe is inaccurate. The continued reporting of this late payment after multiple disputes indicates non-compliance and negligence. The account is therefore considered unverified and must be deleted immediately from my report.

The repeated failures by the reporting agencies and furnishers to ensure data accuracy, despite multiple disputes, amount to a systemic disregard of consumer rights protected by federal law. These errors have caused me financial and emotional distress, unfairly lowering my credit score, and limiting access to fair credit opportunities. I am formally requesting the CFPB to investigate this matter thoroughly and compel the relevant credit bureaus and furnishers to remove all inaccurate data listed above.

I expect a complete reinvestigation and response in compliance with the Fair Credit Reporting Act and any relevant federal guidelines protecting consumer rights. Thank you for your attention and for ensuring fair treatment of consumers like myself.

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