Consumer complaint received 2025-10-15 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 writing this complaint to request a full and thorough investigation into the continued reporting of false, misleading, and unverifiable information on my credit file, including an incorrect address and an account reflecting inaccurate payment history. This information has caused significant harm to my financial reputation and violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my good faith efforts to correct these errors directly with the credit bureaus and furnishers, the inaccurate data remains, which shows a lack of compliance and proper verification under federal law. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These addresses are not associated with my current or previous residence. Reporting wrong addresses creates identity confusion and violates FCRA 1681e ( b ), which requires consumer reporting agencies to ensure the accuracy of personal identifying information. I never resided at these addresses, and their continued presence on my file implies mixed or commingled information. These addresses must be deleted immediately as they are misleading, unverifiable, and inaccurate. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600000.00} Late Payment * * This account is reported with late payments that are false and damaging. I have no record of any such delinquency or a balance of this magnitude. Reporting false payment history is a violation of FCRA 1681s-2 ( a ) and 1681i, which prohibit furnishers from reporting inaccurate data and require proper verification. This appears to be a reporting or identity error and must be deleted immediately to maintain accuracy and compliance with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Charge Off * * This account was never legally validated or verified as mine. Reporting it as a charge off without proof of original signed agreement and full payment records violates FCRA 1681s-2 ( b ) and 1681e ( b ). Any unverified data must be removed from my credit report to prevent ongoing harm to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Collection * * This collection account is not mine and was never authorized. Reporting it violates the accuracy and verification standards under FCRA 1681i ( a ) ( 1 ). I have never received any collection notice or validation letter as required by the Fair Debt Collection Practices Act ( FDCPA 809 ). Since no proof of debt has been provided, this item must be deleted immediately as inaccurate and unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6000.00} Late Payment This account shows false late payments that were never missed. Such false negative reporting violates FCRA 1681e ( b ) and 1681i ( a ). I have consistently maintained my accounts in good standing, and any reporting of late activity without verified documentation from the original creditor is a violation of my consumer rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These hard inquiries were not authorized by me. Under FCRA 604 ( a ) ( 2 ) and 615, a permissible purpose is required for any access to my credit file. These companies had no permissible purpose, and therefore each inquiry is an unlawful violation of my privacy and must be permanently deleted. The continued reporting of unauthorized inquiries causes substantial harm and violates my right to privacy and fair treatment under the law. 

I am requesting the Consumer Financial Protection Bureau to review this matter in full, enforce compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act, and direct the credit bureaus and furnisher to permanently delete all unverifiable and inaccurate data from my credit report. I am also requesting that the CFPB ensure the responsible data furnishers provide documentary evidence that substantiates the validity and accuracy of this account and address. 
I trust the CFPB will ensure that the rights of consumers like myself are upheld and that appropriate corrective measures are taken against entities that continue to disregard the laws governing credit reporting accuracy.

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