Consumer complaint received 2025-09-16 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 the Consumer Financial Protection Bureau because my credit report contains inaccurate and unverified information that is causing severe harm to my creditworthiness, access to credit, and overall financial stability. The Fair Credit Reporting Act ( FCRA ) under Section 602 and Section 611 gives me the right to dispute inaccurate, incomplete, or unverifiable information, and requires credit reporting agencies and furnishers to conduct a proper reinvestigation. Despite previous disputes, these items remain on my credit report without proper validation, which is a violation of my rights under federal law. I am requesting CFPB intervention to ensure compliance with FCRA, Fair Debt Collection Practices Act ( FDCPA ), and any other applicable consumer protection laws. 

ADDRESSES XXXX XXXX XXXX XXXX, CA XXXX This address is completely false and does not belong to me in any capacity. Associating my credit file with this location suggests I may have lived there or incurred obligations there, which is entirely untrue and harmful. FCRA Section 609 ( a ) ( 1 ) entitles me to a file disclosure with accurate information, not fabricated data. Continuing to report this address after multiple disputes violates Section 611, as you have failed to provide any verifiable proof that connects me to this address. Keeping this error in my file risks identity confusion and misattribution of accounts, which is a breach of your duty under Section 607 ( b ) to maintain maximum possible accuracy. This address must be permanently removed from my credit profile. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is also completely inaccurate and must be deleted. Reporting an address where I have never resided is misleading, creates a false narrative about my credit history, and exposes me to potential fraud risk. FCRA Section 602 ( a ) clearly states that consumer reporting must be fair and equitable, yet this incorrect address undermines the fairness of my file. Under Section 611, you are required to reinvestigate disputed information and delete it if you can not verify it with a reliable source. No signed lease, utility bill, or government record has been produced to show that I have ever been associated with this address. Its continued presence violates Section 607 ( b ), as you are knowingly publishing unverified data that damages my reputation. Remove this address without delay. 

ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} | Date Opened : XX/XX/XXXX This account is inaccurately reported as a charge-off and continues to damage my credit profile. I have never been provided with an original signed agreement, application, or full payment history verifying that this account belongs to me and that a charge-off status is valid. Under FCRA Section 611, unverifiable accounts must be deleted, and Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data they know or should know is inaccurate. This negative tradeline is lowering my credit score, increasing my borrowing costs, and preventing me from accessing fair credit opportunities. If you can not produce original documentation from XXXX XXXX  proving the validity of this account and the charge-off designation, you must permanently delete this account from my credit file. 

XXXXXXXX XXXX XXXX XXXX High Balance : {$3600.00} | Date Opened : XX/XX/XXXX This account is showing late payments that are not accurate. Despite my prior disputes, no complete ledger, billing statement, or proof of delinquency has been provided to confirm the exact dates and amounts of these alleged late payments. Under FCRA Section 607 ( b ), you are required to maintain maximum possible accuracy, and Section 623 ( a ) ( 3 ) requires furnishers to mark an account as disputed while reinvestigation is in process. The presence of unverified late payments harms my credit profile, affects my interest rates, and can impact my housing and employment opportunities. Unless you provide verifiable proof from XXXX confirming each late payment, you must delete or correct this information immediately under Section XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$340.00} | Date Opened : XX/XX/XXXX This account is being reported with late payments that are either incorrect or unverified. I have requested the original contract, billing statements, and payment history to validate these claims, but nothing has been provided. FCRA Section 611 requires deletion of any unverifiable information within 30 days, yet this data remains. The inaccurate reporting of late payments is lowering my credit score, reducing my available credit opportunities, and creating unfair bias against me when applying for credit. This continued reporting without proper verification constitutes negligent and potentially willful noncompliance under FCRA Section 616 and 617. Delete or correct these entries if you can not produce verifiable evidence.

Under FCRA 15 USC 1681i ( a ) I am requesting a full reinvestigation of all items
mentioned above and deletion of any unverifiable, inaccurate, or incomplete information. Under 15 USC 1681e ( b ) the credit reporting agencies are required to maintain maximum possible accuracy, and continuing to report false addresses and unverifiable negative accounts violates that duty. I am asking the CFPB to step in and ensure compliance, enforce my rights, and require the bureaus and furnishers to correct or delete these items immediately. This complaint is submitted to protect my consumer rights and to hold furnishers and credit bureaus accountable under the law.

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