Consumer complaint received 2025-07-23 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXX XXXX XXXX XXXX XXXX, XXXX Address This address is being inaccurately reported on my credit profile. I have never resided at this location and have no association with it. Reporting a false address violates FCRA 602 A and 609 ( c ) ( 2 ) as it damages the integrity of my credit file and misleads potential lenders.

Law Issue : FCRA Section 602 A mandates maximum possible accuracy and Section 609 requires complete and correct disclosure of consumer information.

Instruction : Please immediately delete this address from my file after reinvestigation and provide me a full updated copy of my credit report with the results XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address This address is also falsely being reported on my file. I have never lived or received mail at this location. Including addresses not belonging to me distorts the accuracy of my file and implies possible identity theft or clerical error.

Law Issue : FCRA Section 611 requires credit bureaus to conduct a reasonable reinvestigation upon dispute and Section 607 ( b ) requires accuracy of information.

Instruction : Kindly remove this address from my report after proper reinvestigation and send a corrected copy to me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Chargeoff * * This account is being falsely reported with a charge-off status. I do not recall any valid contract with XXXX XXXX  and was not provided notice before this account was charged off. The balance is also incorrect and appears to result from compounding errors or misreporting.

Law Issue : FCRA Section 609 ( a ) ( 1 ) grants me the right to request all information in my file including the method used to verify this debt, and Section 623 ( a ) ( 5 ) requires proper reporting of the date of first delinquency. 
Instruction : I demand a reinvestigation into this entry, validation of the original debt, and removal if the account can not be verified as accurate with supporting documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment * * This account is inaccurately showing late payment. I have always maintained on-time payments or was within my grace period. No valid notice of delinquency or default was ever received. This reporting is unfairly damaging my credit score. 
Law Issue : FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate or incomplete information. Section 611 ( a ) grants me the right to dispute and demand verification of any inaccurate data Instruction : Please investigate this payment status with documentation and if unverified, remove the delinquency or update the account to reflect Pays as Agreed XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Late Payment * * The XXXX account is showing late payments that I dispute. I was under a temporary hardship agreement and no payment should be considered late under the terms I was given. Reporting late payments during a forbearance or hardship period violates federal law Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) and CFPB guidelines prohibit inaccurate late reporting especially when a valid accommodation or deferment agreement is in place Instruction : Please investigate and provide evidence of the agreement or payment schedule before marking these late, and if none is provided, remove this derogatory status XXXX  XXXX XXXX  XX/XX/XXXX Inquiry This hard inquiry was made without my authorization or knowledge. I never applied for any credit product with XXXX XXXX XXXX  on or near this date. 
Law Issue : FCRA 604 ( a ) ( 3 ) states a permissible purpose must exist to pull a consumer credit report. FCRA 616 and 617 also impose civil liability for unauthorized access Instruction : Please delete this unauthorized inquiry immediately and provide the identity and purpose of the company that initiated the pull XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this hard inquiry by XXXX and was not seeking credit from them at the time. This is a clear violation of my consumer rights under FCRA Law Issue : FCRA 604 ( a ) requires consumer consent for inquiries and FCRA 607 ( a ) obligates users to certify a permissible purpose Instruction : Kindly delete this inquiry and provide written confirmation of its removal and results of your investigation I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

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