Consumer complaint received 2025-06-21 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:
Wrong Addresses Reported by Experian : XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX : These addresses are incorrectly associated with my identity. I have never resided at or had any financial accounts tied to these locations. 

Story : Despite my disputes and identity verification submissions, Experian continues to report these addresses on my credit file. This is misleading and may result in inaccurate matches to negative accounts that are not mine.

Violations : FCRA 607 ( b ) Failure to maintain accurate file information.

FCRA 611 Failure to reinvestigate upon dispute. 

Account-Based Disputes : XXXX. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | High Balance : {$7700.00} Issue : Charge-off status is unverified and potentially inaccurate. 
Story : I never received any final demand notice or debt validation. I requested verification, but Experian failed to provide documentation from XXXX XXXX. The item remains without lawful proof. 
Violations : FCRA 611 Inadequate reinvestigation.

FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 

XXXX. XXXX XXXX # XXXX * * * * Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$220.00} Issue : Late payment records are being reported without substantiated evidence. 
Story : I had an agreement with XXXX XXXX during financial hardship where I was told payments would not be marked late. Experian never confirmed this with the furnisher and continues to report negative payment history. 
Violations : FCRA 607 ( b ) Lack of accuracy in reporting.

FCRA 611 Failed to validate upon dispute. 

XXXX. XXXX XXXX XXXX # XXXX * * * ( XXXX ) Duplicate Charge Offs * * Dates Opened : XX/XX/XXXX & XX/XX/XXXX | High Balances : {$7200.00} & {$6000.00} Issue : Duplicate charge-offs are being reported from the same creditor. 
Story : I only had XXXX account with XXXX. These appear to be duplicate records with different open dates, artificially increasing the appearance of negative history on my report. 
Violations : FCRA 607 ( b ) Duplicate reporting violates the accuracy requirement.

FCRA 611 Improper handling of my dispute regarding this duplication.

FCRA 602 ( A ) Damaging and unfair reporting practices. 

XXXX. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$13000.00} Issue : Reported late payments during a hardship deferment are inaccurate. 
Story : I had a deferment plan due to temporary income loss. XXXX XXXX XXXX negative reporting would occur during that time. Experian still shows late payments, which were not supposed to be applied. 
Violations : FCRA 607 ( b ) Misrepresentation of payment status.

FCRA 611 Inadequate reinvestigation and failure to validate. 

XXXX. XXXX XXXX XXXX # XXXX Collection Date Opened : XX/XX/XXXX | High Balance : {$390.00} Issue : This debt is unfamiliar to me, and I never received any debt validation notice. 
Story : I disputed this item as potentially fraudulent or misreported, but Experian did not validate the debt with original documentation and continues reporting it. 
Violations : FCRA 611 Failure to investigate and validate.

FDCPA 809 ( b ) Debt validation requirement ( if acting on behalf of collector ).

FCRA 607 ( b ) Failure to ensure data accuracy. 

XXXX. XXXXXXXX XXXX # XXXX * * * * * * Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$22000.00} Issue : Late payments are being reported, although I was a co-signer and did not receive billing or delinquency notices. 
Story : I was added as a co-signer but was never the responsible party for monthly payments. These late entries are unfairly damaging my report and Experian has failed to provide any billing statements to support the claims. 
Violations : FCRA 611 Lack of documentation from the creditor.

FCRA 607 ( b ) Wrongful attribution of negative information. 

Requested Relief : Immediate deletion or correction of all the above-listed inaccurate or unverifiable items. 

A full explanation of any reinvestigation process conducted. 

Written confirmation of actions taken, in compliance with the Fair Credit Reporting Act. 

Closing Statement : I am requesting that the Consumer Financial Protection Bureau intervene and ensure that Experian complies with federal law. The continued reporting of these disputed, outdated, or duplicated items has caused significant harm to my creditworthiness and financial well-being. I demand lawful handling of my credit file and immediate resolution.

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