Consumer complaint received 2025-08-16 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:
Dear CFPB, I am filing this formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate and unverifiable information on my credit report. The information being reported is causing significant financial and emotional harm, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). The following are the disputed items that I request CFPB to review and enforce corrective action on : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA, XXXX Wrong Address. 
Issue : This address is not associated with me in any way. I have never resided at or used this address for financial purposes. Reporting of such false address links me to locations that have no legitimate connection to me, which creates a misleading picture of my identity. 
Law : According to FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting an incorrect address is a direct violation of this law and of my rights under FCRA 611, which gives me the right to dispute inaccurate information and demand correction or deletion.

Story : This false address places me at risk for identity theft or mistaken association with accounts that do not belong to me. The inclusion of this address may be the reason why incorrect or fraudulent accounts have been tied to my credit file. This is extremely damaging, as I work hard to protect my financial reputation and ensure that only accurate information reflects my history. I demand this address be removed from my credit file immediately, as it does not and never has belonged to me. 
XXXX XXXX XXXX  XXXX Late Payment. 
Issue : This account is reporting late payments that are inaccurate and misleading. I dispute the late payment history being reported. 
Law : Under FCRA 609 and 611, I have the right to request full verification and proof of this account, including account statements, payment history, and signed original agreements that demonstrate I am responsible for the alleged delinquencies. Without proper documentation, this information can not be reported. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) requires that debt information must be accurate and fully validated before it can be pursued or reported. 
XXXX : This account was opened on XX/XX/XXXX, with a high balance of only {$320.00}. Considering the short time frame and low balance, the reporting of late payments is both unreasonable and questionable. Many times, creditors fail to process payments on time, or their system errors cause delays that unfairly penalize consumers. It is unfair and harmful to be punished with a negative late payment history for something that XXXX not even be my fault. I have consistently worked to maintain my accounts responsibly, and this inaccurate reporting has lowered my credit standing and caused financial stress. I demand full validation and removal of the inaccurate late payment history. 
XXXX XXXX  XXXX XXXX Late Payment. 
Issue : This account is reporting late payments that I dispute as inaccurate. 
Law : Under FCRA 607 ( b ) and 611, any late payment must be verified with complete records. A simple notation of late is not sufficient ; creditors must produce actual evidence showing the due date, the payment received date, and signed agreements proving that I agreed to the terms being claimed. Without such evidence, reporting negative information violates the law. 
XXXX : This account, opened on XX/XX/XXXX, with a high balance of only {$630.00}, shows late payments that do not reflect my actual payment history. I strongly believe that these reported lates stem from creditor reporting errors or delays in posting. Reporting such small balance accounts as delinquent paints a false and unfair image of me as a consumer. This damages my ability to access fair credit opportunities. I request deletion of the inaccurate payment history or removal of the entire account if it can not be properly verified. 
XXXX XXXX XXXX XXXX XXXX Late Payment. 
Issue : This account reflects late payments that I challenge as false and unverifiable. 
Law : As per FCRA 609 ( a ) ( 1 ) and 611, I am entitled to see all the documents and records used to verify this late payment history. If such records can not be produced, this reporting is unlawful. Additionally, inaccurate reporting of payment history is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 
XXXX : This account was opened on XX/XX/XXXX, with a high credit of only {$500.00}. It is unfair and misleading to report such a small account with damaging late payments when the creditor has failed to provide proof of accuracy. I have always maintained diligence in my financial responsibilities, and any reporting that suggests otherwise is not reflective of my true payment behavior. Such reporting misrepresents my financial reliability and prevents me from being able to move forward with building a stronger financial future. I demand full validation or deletion of the late payment records. 
XXXX XXXX XXXX. 
Issue : This collection account is inaccurate and unverifiable. I do not acknowledge this debt, and I dispute its validity. 
Law : Under the FDCPA 809 and FCRA 609, I have the right to demand validation of this collection. The reporting agency and the furnisher must provide proof such as a signed agreement, complete account history, and assignment of debt that legally authorizes this company to collect on the account. Without such proof, the reporting of this collection is illegal.

Story : This account was opened on XX/XX/XXXX, with a reported balance of {$12000.00}. This is a significant amount, yet no supporting documentation has ever been provided to me to prove its validity. This account may have resulted from errors, identity theft, or even duplication of an account that does not belong to me. Reporting such a large balance as a collection with no verification gravely damages my financial profile and unfairly labels me as irresponsible. This is emotionally stressful and financially harmful. I demand that this collection account be deleted immediately unless full validation is provided. 
In summary, these accounts and false address entries are inaccurate, unverifiable, and reported in violation of the FCRA and FDCPA. They have caused me credit denials, higher interest rates, and severe emotional distress. I am requesting CFPB intervention to ensure : 1. Immediate investigation of all disputed items.

2. Permanent deletion of unverifiable or inaccurate addresses, accounts, late payments, collections, and inquiries.

3. Written proof of verification if the furnisher continues to report the information.

4. Enforcement of compliance against the furnishers and credit reporting agencies for violating federal law. 
I trust CFPB will act to protect my rights as a consumer. Please ensure these violations are corrected immediately and that all responsible parties are held accountable.

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