Consumer complaint received 2025-09-24 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 to formally dispute the reporting of multiple accounts, inquiries, and balances on my credit file. I assert that the information reported is inaccurate, misleading, and in violation of federal credit reporting laws, including the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623, and the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ). I demand a full reinvestigation of all listed items and removal of unverifiable or inaccurate information. 

Address : XXXX XXXX XXXX XXXX, XXXX  XXXX This address has never been associated with me. FCRA Section 609 ( a ) ( 1 ) grants me the right to verify all personal identifying information in my credit file. Reporting this incorrect address misrepresents my residency and could lead to erroneous credit decisions. There is no account, utility, loan, or lease ever linked to this address under my name. This misinformation directly impacts my ability to open new accounts, obtain loans, and receive accurate financial offers. I have never resided, worked, or had correspondence sent to this location. No authorized party has used this address for any legitimate purpose related to me. The presence of this address constitutes false reporting under FCRA Section 611. If the credit bureau can not verify the association of this address to me, it must be removed immediately. Continued reporting of this incorrect information is a violation of federal law and exposes me to financial harm and potential identity confusion. Immediate deletion of this address is required to restore the accuracy of my file. This item has never been part of any legal, financial, or administrative record tied to me. Any documentation claiming otherwise should be provided, and if not, deletion is mandatory. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not connected to me in any capacity. Under FCRA Section 611, credit bureaus are required to investigate and remove unverifiable information. There is no rental agreement, utility bill, mortgage, or account linking me to this address. Inclusion of this address misrepresents my credit history and may lead to wrongful denial of credit or financial services. I have never authorized any entity to report this address. There is no mail or official document ever sent to this address in my name. This incorrect listing has caused confusion and potential risk for identity misrepresentation. I request the credit bureau provide any documentation showing a legitimate link ; absent such proof, deletion is legally required. Reporting this address without verification violates FCRA requirements and compromises the accuracy of my credit file. I demand immediate removal to prevent continued harm and ensure compliance with federal law. Continued reporting without verification is considered reckless and unlawful. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The reported late payment is false. Under FCRA Section 609 ( a ), I have the right to dispute and verify all reported data. There is no record of missed payment or account history reflecting this delinquency. This misinformation negatively impacts my credit score and financial opportunities. I demand full verification and supporting documentation. Reporting unverifiable late payments constitutes a violation of FCRA and harms my financial reputation. The account has been inaccurately reported, causing misleading impressions to creditors. There is no legal or contractual basis for this claim. If verification can not be provided, immediate deletion is required. Continued reporting is illegal and damaging. Accurate and verifiable information must replace any false records. This reporting violates my rights under federal law and misrepresents my creditworthiness. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Chargeoff I have no relationship with this account. FDCPA Section 809 ( b ) obligates verification of debt upon request. There is no signed contract, record of charges, or payment history associated with me. Reporting this account falsely impacts my creditworthiness and misleads lenders. I request full documentation including verification of origin, signed agreements, and account statements. Reporting unverified debt violates federal law and must be corrected or removed. This account has never been authorized, used, or acknowledged by me. Inclusion is harmful, illegal, and misleading. Immediate deletion is legally required under FCRA Section 611 and FDCPA Section 809 ( b ). I have never received statements, correspondence, or notifications for this account. This charge-off is false and must not be reported further. 

Account : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Chargeoff This account reporting is inaccurate and unverifiable. FCRA Section 611 requires verification before reporting. I have never incurred this debt. There is no documentation supporting this balance or account history. Reporting unverified information violates federal law and harms my financial opportunities. I request immediate verification and deletion if verification is not possible. The account has never been authorized, opened, or acknowledged by me. Inclusion of this account is misleading, materially harmful, and unlawful. I demand correction or removal to comply with FCRA and prevent further damage. There is no record of correspondence, billing statements, or contractual agreements under my name. This account has never been part of my financial activity. The reported balance is fabricated or misattributed. Continued reporting exposes the bureau and furnisher to legal liability. Immediate deletion is required to restore the integrity of my credit report. Any attempt to validate this account without proper evidence would be invalid under federal law. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX I did not authorize this credit inquiry. FCRA Section 604 ( a ) ( 3 ) mandates that only authorized inquiries be reported. This inquiry was made without my consent and constitutes unauthorized access. Reporting this inquiry misrepresents my credit activity and violates federal law. I request immediate deletion of this inquiry from my credit report. Unauthorized inquiries affect my creditworthiness and financial opportunities. The bureau must confirm authorization, and absent proof, removal is required. Continued reporting is a violation of FCRA and FDCPA protections. Immediate corrective action is necessary to restore the accuracy of my report. 

CFPB is requested to compel immediate reinvestigation, verification, and deletion of unverifiable items. Failure to do so constitutes continued noncompliance with FCRA and FDCPA, materially harming my credit and financial opportunities. I assert my rights under federal law and demand that these matters be corrected in full and promptly.

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