Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue : This is not my address and has been reported in error Law : FCRA Section 602 ( a ) and 609 ( c ) ( 1 ) ( A ) protect my right to fair and accurate reporting Story : I have never lived at this address nor had any affiliation with it. Including it in my file links my identity to unknown parties and poses a serious risk of identity confusion or fraud. I demand immediate deletion of this unverifiable address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue : This address is not mine and is damaging to my report Law : FCRA Section 609 ( a ) ( 1 ) gives me the right to know the source of all reported information Story : This address does not belong to me and is clearly a case of inaccurate reporting or identity confusion. I am not responsible for any accounts or activities associated with this location and request full deletion from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance Owed : {$0.00} Chargeoff * * Issue : Reporting this account as a charge-off is inaccurate as the balance is {$0.00} Law : FCRA Section 602 requires fair credit reporting and 607 ( b ) requires verified accuracy Story : This account was never charged off and the balance owed is clearly reported as {$0.00}. Reporting it as a charge-off is misleading and causes unnecessary damage to my credit profile. If it can not be verified with documentation from the original creditor, it must be deleted immediately XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment * * Issue : Late payments are reported on an account with a {$0.00} balance and no current delinquency Law : FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute and request an investigation into inaccurate information Story : This account is showing late payments even though it was paid and closed with a {$0.00} balance. This incorrect status harms my payment history and must be corrected or removed if the data can not be verified accurately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : Not Reported Balance Owed : {$150.00} Chargeoff * * Issue : This self-reported charge-off is unverifiable and lacks necessary reporting details Law : Under FCRA Section 607 ( b ), credit bureaus must report only data that can be verified and confirmed Story : This account is not from a traditional creditor and lacks complete reporting details such as open date, payment history, and creditor contact. This makes it unverifiable. Unless you can provide full documentation from the reporting source, this charge-off must be deleted I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

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