Consumer complaint received 2025-08-12 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 complaint to the Consumer Financial Protection Bureau ( XXXX  ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( XXXX  ) and protect consumers from unfair and inaccurate credit reporting practices. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA XXXX ( b ) Requirement for Maximum Possible Accuracy Issue : This address is not associated with me and is being falsely reported in my file Story : I have never lived at or been associated with this address. Its presence on my report suggests a possible mixed file or identity error. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA XXXX ( b ) Requirement for Maximum Possible Accuracy Issue : Wrong address reporting Story : I have never used this address for any personal, financial, or employment purposes. This inaccurate information needs immediate removal. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law : FCRA XXXX Procedure in Case of Disputed Accuracy ; FCRA XXXX ( a ) ( XXXX ) Obsolete Information Issue : Reporting of a charge-off account with a XXXX balance is misleading and unverifiable Story : The account is reported as charged off but shows a XXXX balance, which is contradictory. No valid documentation has been provided to substantiate this entry. 

XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} * * Law : FCRA XXXX ( b ) ; FCRA XXXX Accuracy and Verification Requirements Issue : Late payment history is inaccurate and unverifiable Story : I have no record or recollection of making late payments as reported. I request full documentation proving the validity and accuracy of this data. 

XXXX XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} * * Law : FCRA XXXX ( b ) ; FCRA XXXX Issue : Inaccurate late payment notation Story : The payment history reported is inconsistent with my records and can not be verified without proper documentation from the furnisher. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} * * Law : FCRA XXXX ( b ) ; FCRA XXXX Issue : Erroneous late payment status Story : This reporting does not reflect my actual payment history. I dispute the accuracy and demand supporting records from the data furnisher. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} * * Law : FCRA XXXX ( b ) ; FCRA XXXX Issue : Inaccurate payment status reporting Story : My personal records do not match the late payment claims shown in the credit report. No proper validation has been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} * * Law : FCRA XXXX ( b ) ; FCRA XXXX ; FDCPA XXXX False or Misleading Representations Issue : Erroneous collection account reporting Story : I have no contractual obligation with this creditor, and the debt is unverified. Reporting without validation violates my rights under the FCRA and FDCPA. 

I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

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