Consumer complaint received 2025-11-11 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 formal complaint against the inaccurate and misleading reporting practices on my credit report. I have identified serious violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) involving false information and negligent reporting by the furnisher. These errors have caused harm to my creditworthiness, financial standing, and emotional distress. I am requesting an immediate investigation, verification, and deletion of the inaccurate information listed below. 

ADDRESSES XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are not mine and are being reported inaccurately. I have never lived or received mail at these locations, and their inclusion creates identity confusion. This violates FCRA Section 607 ( B ), which mandates maximum possible accuracy. Remove all unverified addresses immediately to prevent further damage to my personal and financial integrity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$92.00} | Late Payment * * This account is inaccurately reporting late payments that never occurred. I never received any notice or documentation showing missed payments from the creditor. Reporting false delinquency without proof violates FCRA Sections 607 ( B ) and 623 ( A ) ( 1 ) ( A ), requiring accuracy and verification before furnishing data. This inaccuracy is harming my credit profile and misrepresenting my payment history, so I demand immediate deletion of this unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$230.00} | Late Payment XXXX XXXX The late payment information being reported is incorrect and unverified. I have consistently maintained timely payments, and no supporting documentation was ever provided by the creditor. FCRA Sections 611 ( A ) and 623 ( A ) ( 1 ) ( A ) state that unverifiable information must be promptly corrected or deleted. This reporting error has negatively impacted my creditworthiness, and I demand immediate reinvestigation and deletion if the data can not be verified with original records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * This charge-off account is inaccurate and misleading. I never received any valid notice of default or charge-off from XXXX XXXX XXXXXXXX XXXX Reporting false derogatory information violates FCRA Sections 607 ( B ) and 623 ( B ) ( 1 ) ( D ), requiring accuracy and correction of unverifiable data. This false report is damaging my financial standing and must be permanently deleted unless the creditor provides verified documentation supporting this claim. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Charge Off * * This XXXX account does not belong to me and was never authorized by me. I never had any agreement or service with this company. Reporting an account without proper validation violates FCRA Sections 607 ( B ), 611, and 623 ( A ) ( 1 ) ( A ). This false reporting is a clear case of mistaken identity or mixed file, and I demand immediate deletion and reinvestigation to restore the accuracy of my credit report. 

I respectfully request the CFPB to conduct a comprehensive investigation into this matter and any associated credit reporting agency to provide verifiable proof of accuracy or permanently delete these items from all reports.

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