Consumer complaint received 2025-10-09 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 ( CFPB ) to dispute multiple inaccurate and fraudulent items on my credit report. These inaccuracies have caused financial harm, impaired my creditworthiness, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including sections 1681i ( a ) ( 1 ) for reinvestigation of disputed information, 1681e ( b ) for accuracy, and 1681g for consumer disclosures. Each item below is inaccurate, incomplete, or misleading, and I demand a full investigation and correction. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is entirely incorrect and not associated with me. Under FCRA 1681i, the credit bureau must conduct a thorough reinvestigation. Furnisher did not provide any valid proof connecting me to this address. Previous rounds of disputes documented my lack of connection. Reporting false addresses misrepresents my credit file. FCRA 1681e ( b ) requires maximum accuracy in maintaining records. Including unverified addresses is a violation. The presence of this address has negatively impacted my credit. All prior evidence shows I have never resided here. Inclusion of this address violates my rights under FCRA. I demand deletion unless verifiable documentation is produced. Reporting false addresses constitutes negligence. The continued listing is misleading and damaging. I request written confirmation of the action taken. Immediate removal is necessary. Verification must include utility or lease records. The bureau must ensure accuracy going forward. 

Account DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3900.00} Late Payment * * This account is reported inaccurately as having late payments. FCRA 1681i ( a ) requires a reasonable investigation and verification of all disputed information. My personal records indicate all payments were made on time and in full. Furnisher has failed to provide any documentation to prove the alleged late payments. Reporting false delinquencies constitutes negligent and inaccurate reporting under FCRA 1681s-2 ( b ). Prior dispute rounds included supporting statements showing my payment history, yet the inaccuracy remains. Inclusion of unverified late payments harms my creditworthiness and misrepresents my financial behavior. Duplication or misreporting violates 1681e ( b ) which mandates maximum accuracy. I request deletion or full verification, including signed contracts, payment statements, correspondence, and bank confirmations. The account has been previously disputed multiple times without correction. Continued reporting of late payments is a violation of my rights and is highly damaging. This false information affects credit decisions, loan approvals, and interest rates. Verification must include complete transactional history with dates and amounts. Furnisher must provide written proof of each claimed late payment. The account balance may also be inaccurate and requires verification. I demand immediate correction or removal. Written confirmation of the outcome must be provided. Continued misreporting shows a failure to comply with FCRA 1681i and 1681s-2 ( b ). All prior documentation supports my claim that the account was never late. The bureau must ensure compliance and accuracy going forward. 

DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2300.00} Late Payment * * This account is duplicative and inaccurately reported, creating confusion and misrepresentation of my financial history. FCRA 1681i ( a ) ( 1 ) ( A ) requires a thorough reinvestigation to verify the accuracy of each disputed item. Duplicate reporting violates 1681c ( f ) and misrepresents my payment history. Furnisher has not provided any documentation linking me to delinquency. My personal records demonstrate on-time payments throughout the account period. Reporting unverified late payments harms my credit profile and violates FCRA 1681s-2 ( b ). Inclusion of incorrect balances and duplicate accounts is misleading and constitutes negligent reporting. I request deletion or full verification, including signed contracts, statements, bank confirmations, and any proof of claimed delinquency. The account has never been late as reported, and continued reporting violates my rights under FCRA. Duplication and false reporting are negligent and negatively affect my creditworthiness. The inaccurate information impacts lending decisions, insurance rates, and employment opportunities. I demand immediate correction or removal. Verification must be in writing with complete transactional history. Written confirmation of the results is required. The bureau must maintain accurate records per 1681e ( b ). Reinvestigation should confirm the accounts true status and remove any duplications. Reporting false information is a violation and must be corrected immediately. All prior documentation supports my claim of timely payments. The bureau must ensure future reporting is accurate and fully compliant with FCRA. 

I demand that CFPB oversee the full reinvestigation of all disputed addresses and accounts, verify the accuracy of each item, remove any unverifiable or false information, and ensure that all reporting agencies comply with FCRA standards. These errors are affecting my ability to access credit fairly and misrepresent my financial history.

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