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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding serious inaccuracies on my credit report that are negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, I have the right to accurate, fair, and verifiable credit reporting, and to dispute and have errors corrected through a proper reinvestigation process. The items listed below are inaccurate, unverifiable, and must be corrected or deleted immediately to restore the integrity of my credit profile. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is inaccurately reported on my credit report and has never been associated with my residence or identity, creating confusion for lenders and creditors. I have no utility bills, lease agreements, or official mail linked to this location, confirming it is entirely incorrect. The repeated reporting of this false address misrepresents my personal history and violates FCRA 1681i ( a ) requiring reinvestigation of disputed information. This inaccuracy has caused repeated denials of credit, delayed financial approvals, and harmed my creditworthiness. Continued presence of this address constitutes negligence and failure to maintain accurate records. Immediate removal is required to prevent further harm to my financial reputation and opportunities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address is also incorrectly listed on my credit file and has no connection to me or my financial history. I have no proof of residence, correspondence, or any transactions linked to this location. The presence of this false address misleads creditors and violates FCRA 1681i ( a ), which mandates thorough reinvestigation of disputed items. Reporting this inaccuracy has resulted in multiple financial denials and potential lost opportunities. Failure to correct this demonstrates negligent handling of my credit information. I demand immediate verification, removal, and permanent correction of this erroneous address to protect my credit and personal identity. 

Account XXXX XXXX XXXXXXXX XXXX * * Late Payment, Date Opened XX/XX/XXXX, Balance {$610.00} * * This account shows late payments that are inaccurate, unverifiable, and inconsistent with my records. I have requested proof of these delinquencies multiple times, yet the creditor has not provided any documentation validating the reported late payments. Under FCRA 1681i ( a ), the credit bureau is required to remove unverifiable information. Reporting this false late payment has unjustly lowered my credit score, hindered loan approvals, and caused financial stress. The continued presence of this inaccuracy demonstrates negligence and failure to maintain accurate reporting. I demand immediate reinvestigation, deletion of these late payments, and confirmation in writing of the corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, Date Opened XX/XX/XXXX, Balance {$3900.00} * * Multiple late payments are inaccurately reported, unverified, and unsupported by documentation. I have never received notices, statements, or any formal proof of delinquency for this account. FCRA 1681i mandates reinvestigation and removal if unverifiable. The false reporting has negatively impacted my creditworthiness, prevented favorable loan terms, and caused undue financial stress. Continued reporting of inaccurate information constitutes willful noncompliance. I demand permanent correction and written confirmation of the deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, Date Opened XX/XX/XXXX, Balance {$7200.00} * * This account reports multiple late payments that are incorrect and unverified. The creditor has not provided any validation or supporting documents despite repeated requests. Under FCRA 1681i, unverifiable information must be deleted. The false reporting has caused credit denials, increased interest rates, and stress from potential misrepresentation. I request immediate removal of all inaccurate entries, proper reinvestigation, and written confirmation of corrections to protect my financial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment, Date Opened XX/XX/XXXX, Balance {$2500.00} * * Reported late payments are inaccurate and unsupported by any proof from the creditor. I have consistently disputed these items, yet no validation has been provided. FCRA 1681i requires that unverifiable information be corrected or deleted. The continued reporting of these inaccuracies has damaged my creditworthiness, limited my financial options, and caused unnecessary stress. I demand permanent removal, full reinvestigation, and written evidence of correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, Date Opened XX/XX/XXXX, Balance {$3500.00} * * The late payments reported are incorrect, unverified, and materially damaging. Despite repeated disputes, no documentation has been provided to prove delinquency. Under FCRA 1681i, these unverifiable entries must be removed. The reporting of this false information has caused financial harm, including denials of credit, increased loan costs, and stress. I request immediate deletion, proper reinvestigation, and confirmation in writing to ensure my credit report reflects accurate information. 

I respectfully request that the CFPB ensure that the credit bureaus and data furnishers conduct a proper reinvestigation under FCRA 1681i, delete or correct all inaccurate information listed above, and provide me with written confirmation of the results. These inaccuracies are causing damage to my credit reputation, denying me fair access to credit, and violating my rights under federal law. I expect a full resolution of this complaint and compliance with all legal obligations within the time frame required by 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