Consumer complaint received 2025-08-26 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 filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address : XXXX THE XXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA XXXX, XXXX Reporting of inaccurate personal information Story : This address has never been associated with me for residence, billing, or legal purposes. Its presence misrepresents my identity and may mislead lenders. I demand verification of any claimed connection and immediate removal if unverifiable. Continued reporting of this inaccurate address violates my rights and damages my creditworthiness. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA XXXX, XXXX Reporting of inaccurate personal information Story : I have never lived at or authorized use of this address. Reporting this false address could indicate identity theft or clerical error. I request full verification, and if unverifiable, immediate deletion. Its continued inclusion negatively affects my credit profile. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Chargeoff * * Law/Issue : FCRA XXXX, XXXX Verification of account accuracy Story : I never opened this account. Reporting it as a chargeoff without verification is inaccurate and harmful. I demand full validation from the creditor. If unverifiable, delete this account immediately. Its presence may harm my ability to obtain credit or favorable interest rates. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Chargeoff * * Law/Issue : FCRA XXXX, XXXX Verification of account accuracy Story : I deny ownership of this account and have never received statements or communication from this creditor. The chargeoff is being reported incorrectly and lowers my credit score. Please provide validation or delete this account immediately. 

Account : LBS FCU XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law/Issue : FCRA XXXX, XXXX Verification of chargeoff accuracy Story : I have no record of delinquency for this account. Reporting a false chargeoff misrepresents my creditworthiness. I demand full documentation or immediate deletion to correct my credit profile. 

Account : XXXX Bankruptcy XXXX Reference # XXXX Bankruptcy Law/Issue : FCRA XXXX, XXXX Accurate reporting of public records and bankruptcy information Story : This bankruptcy is not mine and is falsely attributed. Its inclusion harms my credit history. I request verification, and if unverifiable, immediate removal to prevent continued damage. 

Inquiry : XXXX XXXX XX/XX/XXXX Law/Issue : FCRA XXXX Unauthorized hard inquiry Story : I never applied for credit with this institution. Its presence is unauthorized and negatively affects my credit. Remove this inquiry immediately. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law/Issue : FCRA XXXX Unauthorized hard inquiry Story : I did not authorize this inquiry. It inaccurately portrays my credit activity and harms my credit score. Delete it immediately. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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