Consumer complaint received 2025-10-06 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 as a consumer regarding inaccurate, incomplete, and unauthorized reporting on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ), I am exercising my rights to dispute these accounts. The reporting errors have significantly affected my creditworthiness, and I request CFPB to ensure a full and thorough investigation. The following accounts are being disputed : Address : XXXX XXXX XXXX XXXX, CA XXXX This address is entirely incorrect and has no association with me. I have never lived at this property, and no financial or legal records tie me to this location. FCRA 1681e ( b ) requires credit reporting agencies to ensure the accuracy of information they publish. This false address reporting can cause lenders to make incorrect decisions based on misinformation. The repeated reporting of an incorrect address is a violation of my rights under federal law. I request that this address be permanently removed. Any attempts to verify must fail as I have no ties to this location. Including this address undermines the credibility of my credit profile and exposes the bureaus to legal liability. Correction is mandatory, and removal is required immediately. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Reported erroneously ; I have never resided or authorized reporting at this address. Inaccurate address reporting is prohibited under FCRA 1681e ( b ). The presence of this wrong address misleads creditors and impacts credit decisions. Verification of this address will confirm it is unrelated to me. Its inclusion is a violation of my consumer rights. It can not be verified by any legal or financial document. Removal is necessary to maintain accurate reporting. Continuing to report this false information constitutes negligence. Immediate correction is requested. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is unrelated to me, never authorized, and never used in any credit application or transaction. FCRA 1681e ( b ) requires credit bureaus to ensure accuracy and verification of all addresses. Misreporting this location harms my credit profile. Verification will confirm that I have no connection. Reporting inaccurate addresses is a legal violation. I demand deletion to prevent further harm. No supporting documents link me to this property. Creditors reviewing this erroneous data could be misled. Removal is mandatory. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} Late Payment This late payment is reported incorrectly. My payment records demonstrate timely payments in accordance with my account agreement. Reporting an incorrect late payment violates FCRA 1681i ( a ), which requires reinvestigation of disputed items. Verification will show no delinquency exists. This false reporting misrepresents my financial responsibility to creditors. Inclusion of inaccurate data is materially damaging. Removal of this late payment is required. The bureau must verify the claim and provide proof, which does not exist. All adverse reporting must be corrected. I expect confirmation of deletion in writing. 

XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Late Payment The reported late payment is inaccurate. Documentation confirms timely payments. FCRA 1681i ( a ) requires deletion of unverifiable information. Reporting a false late payment violates my consumer rights. Creditors may be misled by this incorrect information. The account history must be corrected. Verification can not substantiate the claim. I demand immediate removal. Inaccurate reporting harms my creditworthiness. Proof of timely payment exists and must be considered. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account is incorrectly reported as late. No missed or late payments exist. FCRA 1681i ( a ) requires deletion of unverifiable delinquent entries. Misreporting damages my credit profile and financial reputation. Verification will confirm no delinquency occurred. Reporting false data violates federal law. Removal is required. The account history proves compliance with payment terms. Inaccurate reporting is a legal violation. I demand deletion immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This late payment is falsely reported. My records confirm timely payments. FCRA 1681i ( a ) mandates reinvestigation of disputed items. Reporting false delinquencies violates federal law. Verification will confirm no late payments exist. The account must be corrected. Inaccurate information negatively affects my creditworthiness. I request immediate deletion. No supporting evidence exists for the late payment claim. The bureau is required to maintain accurate information. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Reported charge-off is invalid. I have met all account obligations or no delinquency exists. FCRA 1681i ( a ) mandates removal of unverifiable charge-offs. Misreporting affects my credit reputation. Verification will fail to confirm the charge-off. Inclusion of false data violates federal law. The account history confirms no delinquency. Immediate correction and deletion are required. Reporting incorrect charge-offs is materially damaging. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3500.00} Late Payment Reported late payment is inaccurate. Documentation demonstrates compliance. FCRA 1681i ( a ) requires deletion of unverifiable delinquencies. Reporting errors violates consumer rights. Verification will fail to substantiate the claim. Account must be corrected. Inaccurate reporting negatively affects my creditworthiness. Proof exists confirming timely payments. Immediate removal is requested. Federal law mandates accuracy in reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$110.00} Collection Invalid collection. No contract or obligation exists. FCRA 1681i ( a ) requires deletion of unverifiable accounts. Reporting false collections misrepresents financial responsibility. Verification will fail. Removal is required. Inclusion of false information is unlawful. Creditors may be misled. I request immediate deletion. Account documentation confirms no delinquency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Collection Account is not valid. FCRA 1681i ( a ) requires reinvestigation of disputed items. Reporting unverifiable collections violates federal law. Verification will show no obligation. Removal is required. Inclusion is materially harmful. Credit profile is negatively impacted. Documentation confirms dispute validity. Immediate correction is mandatory. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Collection Invalid reporting. FCRA 1681i ( a ) mandates deletion if unverifiable. Verification can not substantiate the collection. Reporting false collections is unlawful. Harm to credit profile occurs. Removal is requested. Documentation confirms account invalidity. Federal law requires accurate reporting. Immediate deletion is required. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$92.00} Collection Unverifiable account. FCRA 1681i ( a ) requires deletion. Verification fails. Reporting false collection is a violation. Credit profile is harmed. Immediate removal required. Documentation confirms inaccuracy. Federal law mandates correction. I demand deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Collection Incorrect reporting. FCRA 1681i ( a ) requires reinvestigation. Verification fails. Inclusion of false data is illegal. Credit profile is harmed. Immediate deletion required. Documentation shows no obligation. Law mandates accuracy. Account must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charge Off Reported charge-off is false. FCRA 1681i ( a ) requires deletion of unverifiable charge-offs. Verification will fail. Inclusion is materially damaging. Credit reputation harmed. Immediate correction required. Documentation proves account compliance. Federal law mandates accurate reporting. Deletion is requested. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No consent given. FCRA 1681b ( a ) prohibits unauthorized inquiries. Verification will confirm lack of application. Immediate deletion required. Inclusion violates consumer rights. Credit profile is harmed. Removal is mandatory. Documentation confirms dispute. Federal law requires deletion. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No authorization exists. FCRA 1681b ( a ) mandates deletion of unverifiable inquiries. Inclusion harms credit profile. Immediate removal requested. Verification will confirm invalidity. Federal law supports deletion. Documentation confirms lack of consent. I demand deletion. 

XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No consent provided. FCRA 1681b ( a ) prohibits unauthorized inquiries. Inclusion is inaccurate and harmful. Verification will fail. Removal required. Documentation supports dispute. Immediate deletion mandated. Federal law requires correction. Credit profile harmed if not corrected. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No application or authorization exists. FCRA 1681b ( a ) requires deletion. Inclusion is unlawful. Verification will fail. Removal is mandatory. Documentation confirms invalidity. Immediate deletion requested. Credit profile is protected by federal law. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. No consent given. FCRA 1681b ( a ) mandates deletion. Inclusion is illegal. Verification confirms invalid inquiry. Removal required. Documentation supports dispute. Immediate deletion requested. Federal law protects consumers. Credit profile must be accurate. 

CFPB, I request that a prompt investigation be conducted regarding these accounts and that any inaccurate, misleading, or unauthorized information be removed from my credit report. My rights under the FCRA should be fully protected, and I am prepared to provide all necessary documentation to support this dispute

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