Consumer complaint received 2025-09-26 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 because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other federal protections are being violated through the reporting of wrong addresses, inaccurate accounts, and unauthorized inquiries on my credit file. The credit reporting agencies have failed to ensure maximum possible accuracy as required by FCRA 602 and 607 ( b ), and this has caused me harm including denial of credit opportunities, higher interest rates, and damage to my reputation. I demand that CFPB investigate these violations, enforce corrections, and hold furnishers and reporting agencies accountable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address This address has no connection to me and its appearance on my report is a clear violation of accuracy requirements. I never resided at this apartment. No legal documents tie me to this place. Including it creates confusion and suggests identity fraud. FCRA 1681c requires obsolete or irrelevant data to be excluded. Reporting an address I never lived at is reckless. It makes me appear unstable and misrepresented. Such data harms my creditworthiness. The bureau has a duty to ensure fairness in consumer reports. Without verification, this must be removed. FCRA 1681i obligates deletion of unverifiable entries. Each time this address is reported, my reputation suffers. Creditors may think I am hiding past obligations. I demand removal within 30 days. Leaving this data is a negligent violation of federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address This reported address is false, inaccurate, and not connected to me. I never lived here or signed any agreement tied to this property. No utility or government records can verify my name at this location. Reporting this address is misleading and harmful. The FCRA requires accuracy under 1681e ( b ). Wrong addresses cause lenders to question my stability. They also suggest identity fraud when I apply for credit. The bureaus duty is to reinvestigate under 1681i. If this address can not be proven, it must be deleted. Continued reporting damages my financial standing. I should not be penalized for inaccurate data. Creditors rely on accurate identifiers to evaluate applications. False addresses interfere with this process. It is unlawful to retain unverified data. This item must be removed to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account shows a late payment despite reporting a XXXX balance, which is inconsistent and misleading. FCRA 1681s-2 prohibits furnishers from reporting inaccurate information. A late payment where no balance exists is logically impossible. No valid proof exists that I missed a payment. Reporting this harms my score and credibility. The bureau must reinvestigate under 1681i. If the furnisher can not verify, deletion is required. This violates the standard of maximum accuracy under 1681e ( b ). Creditors viewing my file are misled into thinking I failed to pay. Such reporting causes financial harm. Lenders may deny me credit unfairly. This item can not be legally supported. Keeping false data subjects the bureau to liability. I demand removal of this late payment immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX This account is listed as a charge-off despite reporting no balance. This is inconsistent and can not be accurate. A charge-off means a creditor wrote off a debt, yet the balance is XXXX. Such reporting is contradictory. Under FCRA 1681s-2 ( b ), furnishers must correct and update inaccurate information. This entry is misleading to lenders. It creates the impression I defaulted when nothing is owed. Such data harms my financial reputation. The bureau must reinvestigate under 1681i. If proof of charge-off can not be shown, deletion is required. Keeping unverifiable data violates maximum accuracy under 1681e ( b ). This account is damaging and false. I demand immediate correction or deletion. Continued reporting violates federal law. My rights must be upheld. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX This account also shows charge-off status with a XXXX balance. This contradiction is inaccurate and misleading. A charge-off with nothing owed can not exist. Reporting this harms my creditworthiness. Under FCRA, all information must be accurate and verifiable. Furnishers must provide correct updates under 1681s-2. The bureau is obligated to reinvestigate under 1681i. If no documentation exists, deletion is mandatory. Reporting wrong charge-offs damages my score. Creditors misinterpret my history as negative. Such data is deceptive and unlawful. The bureau must delete unverifiable information. Retaining it is negligence under federal law. My financial opportunities are harmed daily. I demand removal of this account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account shows late payments despite reporting XXXX balance. This is inaccurate and contradictory. No missed payment exists on a XXXX balance account. Reporting this violates FCRA accuracy requirements. Furnishers can not report false data under 1681s-2. The bureau must reinvestigate under 1681i. If no proof is shown, deletion is required. Reporting false lates misrepresents my creditworthiness. Creditors are misled into thinking I am irresponsible. Such data causes denials and higher interest rates. My report must be accurate by law. Wrong data damages me financially. This item is unverifiable and unlawful. Keeping it is negligence by the bureau. I demand immediate correction or deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$8500.00} Late Payment This student loan account is reported with late payments that are not accurate. Federal loans require precise reporting. Under FCRA, only verified data may be reported. Furnishers must correct inaccurate data under 1681s-2. False lates misrepresent my repayment history. They create the impression I defaulted when I did not. Such reporting harms me for years. Student loans carry long-term impact on creditworthiness. The bureau must reinvestigate under 1681i. If no proof of late payment exists, deletion is mandatory. Maximum accuracy is required under 1681e ( b ). Reporting unverifiable lates violates this duty. Creditors and employers are misled. My reputation and opportunities are damaged. I demand correction or deletion immediately. 

I request that you enforce the FCRA and other consumer protection laws by requiring the immediate deletion of the wrong address, the inaccurate XXXX late payment, and the unauthorized XXXXXXXX XXXX XXXX XXXX XXXX The violations of FCRA 602, 604, 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ) show clear negligence and disregard for consumer rights. These inaccurate and unauthorized items have harmed my financial standing and access to fair credit. I demand a full investigation and corrective action through CFPB to restore accuracy, fairness, and compliance in my credit reporting.

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