Consumer complaint received 2025-09-06 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 formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is inaccurate and has never been connected to me at any point in my life. Its continued presence on my credit file creates the false impression that I resided there, which is misleading and harmful. Under FCRA 607 ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy, and this failure violates that standard. Incorrect addresses create identity confusion and increase the risk of fraud or mixed files, which directly harms me as a consumer. I have already disputed this item, and your failure to remove it demonstrates noncompliance with FCRA XXXX ( a ). Since you have not provided documentation proving this address belongs to me, you are in violation of federal law. This item is unverifiable, inaccurate, and damaging, and I demand it be deleted immediately to restore the accuracy of my credit profile. 

Wrong Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This is another false and damaging address that should never appear on my credit report. The FCRA requires that all information reported must be accurate, complete, and verifiable, yet this address is neither accurate nor verifiable. Leaving it on my file suggests a residence history that does not belong to me and creates a misleading credit identity. Under FCRA 611 ( a ) ( 5 ), if an item can not be verified, it must be deleted from the file within the required time frame, but you have failed to comply despite my prior disputes. Allowing this wrong address to remain undermines the reliability of my report and places me at risk of fraudulent association. Each time you fail to correct this error after notice, it constitutes willful neglect of your obligations under federal law. I demand that this address be permanently deleted without delay to bring my credit file into compliance with FCRA. 

Account XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  This account is inaccurately reporting late payments that do not belong to me. Under FCRA 611, you are required to reinvestigate and either verify or delete disputed information, yet no supporting documentation has been provided to prove the accuracy of these alleged delinquencies. By continuing to report unverifiable data, you are violating both FCRA 607 ( b ) and 623, which prohibit reporting information that can not be proven as correct. These errors harm my creditworthiness and financial opportunities. Repeated disputes without resolution also demonstrate reckless disregard of the law, which exposes you to liability under FCRA 616 and 617. Since you can not provide signed records proving these late payments are valid, I demand that this account be corrected or permanently deleted. 

Account XXXX XXXX XXXX XXXX XXXX  High Balance : {$560.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX This account is also reporting alleged late payments that are false. Despite multiple disputes, you have continued to report this inaccurate information in violation of FCRA 611 ( a ) ( 1 ) ( A ), which requires deletion if information can not be verified. No billing statements, contracts, or other verifiable evidence have been produced to support these claims. The FCRA requires accuracy and integrity of consumer data, yet this account is a clear example of negligent reporting. Each incorrect late payment listed here causes ongoing damage to my credit profile. If you can not furnish proper documentation that verifies the accuracy of this reporting, the law requires that you delete this item immediately. 

Account XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX This account is marked as a charge-off, yet no proper validation has ever been provided despite my prior disputes. The FDCPA 809 requires debt validation upon dispute, and the FCRA 611 requires reinvestigation of disputed accounts. Reporting this alleged charge-off without providing evidence such as an original signed contract, account statements, or proof of ownership violates both statutes. Continuing to report this unverified account after being placed on notice is reckless and unlawful. The account is inaccurate, unverified, and harmful to my financial stability. If you can not provide legal proof of this debt, then you are required to delete this account immediately. 

Account XXXX  XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  The reporting of late payments on this account is inaccurate and unsupported. FCRA 607 ( b ) requires you to ensure maximum possible accuracy, but these alleged delinquencies have not been verified despite repeated disputes. Allowing unverifiable late payments to remain damages my ability to access fair credit and opportunities. The law prohibits you from continuing to report information that can not be substantiated, and your failure to act violates FCRA 623, which bars reporting information known or should-be-known to be false. Unless you provide documented proof such as payment histories or contracts, this account must be corrected or deleted at once. 

Account DPT EDXXXX XXXXXXXX XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  This account is being reported with late payments that I have repeatedly disputed. Under FCRA 611 ( a ) ( 1 ) ( A ), consumer reporting agencies must conduct a reasonable reinvestigation and remove unverifiable information. Your continued reporting without validation demonstrates noncompliance with that requirement. No documentation proving these late payments has ever been provided, yet you continue to harm my credit by reporting them. This failure to correct repeated disputes is evidence of willful neglect, which opens you up to liability under FCRA 616. If you can not prove the accuracy of this account with verifiable records, it must be removed from my file immediately. 

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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