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:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address has no connection to my identity, residency, or credit history, yet it continues to appear on my report. The FCRA clearly requires consumer reporting agencies to maintain maximum accuracy and delete unverifiable data. Allowing a false address to remain creates the impression of fraud and damages my credibility with lenders. I have disputed this multiple times, and your continued failure to correct it demonstrates willful noncompliance. Immediate deletion of this wrong address is required to protect the accuracy of my file. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is also incorrect, misleading, and not tied to my identity in any way. Its presence violates the FCRA, which prohibits the reporting of false or unverified information. A credit file must only reflect accurate data, and the repeated appearance of this wrong address harms me by suggesting fraudulent residency history. I have a legal right to an accurate credit profile, and you are required to remove unverifiable data at once. Failure to act will be seen as continued negligence under federal law. 

Accounts XXXX XXXX XXXX High Balance {$2400.00} Opened XX/XX/XXXX Chargeoff This account is being inaccurately reported as a charge-off, which is highly damaging to my creditworthiness. I have never received verifiable documentation from you or the furnisher that validates the accuracy of this reporting. The FCRA requires you to conduct a thorough reinvestigation, yet despite multiple disputes, the same error continues to appear, showing a failure of due diligence. Reporting a charge-off without certified proof from the original creditor is unlawful and misleading. Each time you re-report this false data, you further violate my rights under federal law. Inaccurate charge-off listings harm my financial standing, block me from obtaining fair credit opportunities, and misrepresent my payment history. The law is clear that unverifiable accounts must be deleted. I demand immediate removal of this charge-off or full documentation proving its accuracy, otherwise this item must be permanently deleted under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$350.00} Opened XX/XX/XXXX Late Payment This account shows late payments that are inaccurate, misleading, and unverified. I have already disputed these late notations, yet they remain on my file without proper validation. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy, but this standard is not being met in my case. A payment history that is incorrect distorts my credit profile, unfairly lowers my credit score, and creates the false impression of financial irresponsibility. The law prohibits the continued reporting of unverifiable or false data, yet the account is still damaging me with errors. Without documented proof from the original creditor that these late payments are accurate, this data must be deleted immediately. Failing to remove unverified late marks is negligent and constitutes willful noncompliance under the FCRA. 

Inquiries XXXX XXXX XXXX XXXX  This inquiry is unauthorized and lacks any permissible purpose. Reporting it violates the FCRA and damages my credit profile by showing activity I did not initiate. Multiple rounds of dispute have failed to correct this, which demonstrates a pattern of negligence. Under federal law, unverifiable and unauthorized inquiries must be deleted. I demand its immediate removal. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry, and its inclusion violates the FCRA. Each unauthorized inquiry exposes my sensitive credit information without my consent and harms my financial standing. Despite prior disputes, this inaccurate entry persists, showing noncompliance with federal requirements. Immediate deletion is demanded to protect my rights and maintain the accuracy of my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX This is an unauthorized inquiry that I never approved. The FCRA strictly limits who XXXX access my credit report and under what circumstances. Reporting unauthorized inquiries misrepresents my activity and damages my XXXX XXXX. Previous disputes have not resolved this issue, demonstrating a failure to reinvestigate. I demand permanent deletion to ensure compliance with federal law. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I did not give consent for this inquiry, making its reporting a violation of my rights under the FCRA. Unauthorized inquiries misrepresent my credit activity, affect my financial opportunities, and constitute unlawful reporting. Multiple disputes have been ignored, showing negligence. Immediate deletion is required to restore accuracy and comply with federal regulations. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was unauthorized and lacks permissible purpose. Its reporting violates federal law and misrepresents my credit activity. Previous disputes have not resulted in removal, demonstrating continued negligence. I demand permanent deletion to correct my credit profile and comply with the FCRA. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I never approved this inquiry, making its reporting unlawful under the FCRA. Unauthorized inquiries misrepresent my credit usage and harm my creditworthiness. Despite prior disputes, it remains on my report, showing a failure to properly reinvestigate. Immediate removal is required to protect my rights. 

XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and should not appear on my report. Reporting such entries violates the FCRA, misrepresents my activity, and negatively impacts my credit score. My prior disputes have not led to corrective action, demonstrating noncompliance. Immediate deletion is demanded. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry, making it an illegal access under federal law. The continued reporting of this inquiry damages my credit file and violates the FCRA. Despite previous disputes, it remains, showing negligence in reinvestigation. I demand permanent removal to restore accuracy and compliance. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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