Consumer complaint received 2025-07-18 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:
This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law/Issue : Duplicate and incorrect formatting of address, affecting data integrity, violating FCRA and XXXX XXXX handling requirements. 
XXXX : The extended ZIP and formatting misrepresentation causes system errors and confusion in identity verification. This address must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law/Issue : Incorrectly linked to my profile, violating the Fair Credit Reporting Act, Section XXXX. 
Story : I have never lived at this address nor authorized it to appear on my report. I demand deletion after reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$7400.00} | Chargeoff Law/Issue : Reporting a charge-off without validating account ownership violates FCRA Section 609 ( a ) ( 1 ).

Story : I requested documentation proving this debt but have received nothing. This account must be removed until full validation is provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$25000.00} | Chargeoff Law/Issue : FCRA XXXX XXXX mandates data to be fair and accurate. This charge-off is unverified. 
Story : No signed agreement or account history was ever sent to me. Reporting unverifiable accounts is unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$11000.00} | Chargeoff Law/Issue : Charge-off reporting without accurate debt validation is a violation under FCRA XXXX ( a XXXX ( XXXX ). 
XXXX : This account does not belong to me. No proof or contract has been sent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$3200.00} | Chargeoff Law/Issue : Unvalidated charge-off violates XXXX and FCRA Section 623 ( a ) ( 5 ).

Story : I have no recollection of this account and demand proof of ownership and balance or immediate removal. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$2900.00} | Chargeoff Law/Issue : Reporting obsolete data without verification breaches FCRA Section 605 ( a ).

Story : The age of this debt may exceed legal reporting limits and lacks validation. Please remove this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$26000.00} | Chargeoff Law/Issue : Repeated reporting under similar account numbers violates FCRA Section 607 ( b ).

Story : Multiple charge-offs from the same issuer are harming my score. This appears as duplication. Please delete all unverifiable entries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} | Chargeoff Law/Issue : No consumer signature or debt details have been providedviolation of FCRA 609.

Story : I dispute this account. I have never seen a billing statement or signed application related to this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$790.00} | Chargeoff Law/Issue : Reporting over XXXX XXXX XXXX violates FCRA Section 605 ( a ).

Story : This account has aged beyond legal reporting timelines. Please remove it as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} | Chargeoff Law/Issue : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report accurate information. This entry lacks accuracy.

Story : The amount reported here is inflated and unsubstantiated. I demand a reinvestigation or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$2100.00} | Chargeoff Law/Issue : Repetition of accounts with similar names and balances violates FCRA accuracy clauses. 
XXXX : This account is being reported with inconsistencies. Please provide full validation or remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$2100.00} | Chargeoff Law/Issue : Reporting duplicates and high balance misstatements violate FCRA 607 ( b ).

Story : No billing statement or loan document has been provided. Remove this until proper validation is shown. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$2800.00} | Chargeoff Law/Issue : Violation of FCRA 609 for failing to provide documentation upon request.

Story : This charge-off has no verified connection to me and should be deleted unless full proof is submitted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$18000.00} | Chargeoff Law/Issue : Incomplete verification and balance discrepancyFCRA Section 623 breach.

Story : This amount is incorrect, and I have not seen any documents to prove this debt belongs to me. 

XXXX XXXX | Date : XX/XX/XXXX Law/Issue : Unpermitted inquiry violates FCRA Section 604 ( c ) ( 1 ) ( A ) no permissible purpose.

Story : I did not authorize this inquiry. No credit was applied for on this date. Please delete immediately.

I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

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