Consumer complaint received 2025-10-24 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 regarding inaccurate reporting, unauthorized inquiries, and unfair handling of my accounts which violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These inaccuracies and unauthorized activities are harming my credit and must be fully investigated and corrected. I request immediate investigation, correction, and verification of all listed items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX This address does not belong to me. Reporting it falsely suggests residency I have never had, in violation of FCRA 609 ( a ) ( 1 ). I request its immediate removal from my file. 

XXXX XXXX XXXX XXXX XXXX CA XXXX This address is also inaccurate. It has been repeatedly reported incorrectly despite my prior disputes. Maintaining false address information damages my credit profile and misleads potential creditors. I demand its deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff * * This account is reported as a charge-off, but I have evidence that I never incurred this debt, nor was I properly notified. Reporting unverified debt violates FCRA 611 ( a ). I request this account be removed immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7900.00} Chargeoff * * This account reflects a charge-off I am actively disputing. I have documentation proving payments and communications that contradict this reporting. FCRA 611 requires you to investigate and correct unverifiable entries. Please remove this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff * * I never defaulted on this account as reported. The charge-off status is inaccurate and unverifiable. Reporting such misleading information violates FCRA 623 ( a ) ( 1 ). Immediate correction is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Chargeoff * * This account is incorrect. I have no obligation for this debt. Reporting it constitutes false representation of my creditworthiness. Under FCRA 611, I demand removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$660.00} Chargeoff * * Similarly, this account is inaccurate and has been reported in error. Documentation supporting my position can be provided. Immediate deletion is required. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Reporting a zero-balance charge-off misrepresents my payment history. FCRA 609 ( a ) ( 1 ) requires accurate and complete information. I request its deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This account is inaccurate. Reporting a zero-balance charge-off is misleading and violates FCRA 611. Immediate correction is requested. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * This account is also inaccurate and unverifiable. Please remove it in compliance with FCRA 611 ( a ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Chargeoff * * The charge-off status is incorrect. I have documentation disproving the reported default. FCRA 611 ( a ) ( 1 ) mandates removal of unverifiable entries. I demand immediate deletion. 

I am exercising my rights under FCRA and FDCPA to ensure all inaccurate, unverifiable, and unauthorized information is corrected or removed. These issues have directly caused financial harm, denied me fair credit opportunities, and violated federal law. I request CFPB intervention, full investigation, and prompt correction of all items listed above.

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