Consumer complaint received 2025-08-12 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 ( CFPB ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and protect consumers from unfair and inaccurate credit reporting practices. 
Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Law : FCRA Section 611 requires the credit reporting agency to investigate disputes and remove unverifiable information within 30 days. 
Issue : This address is listed on my report but is not related to me in any way. It is incorrect and should be removed. 
Story : I have never resided at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. This inaccurate address may cause lenders to mistake my identity or misinterpret my credit history. Kindly verify and delete this address. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA Section 609 ( Right to dispute incomplete or inaccurate information ) Issue : This address is incorrect / does not belong to me. 
Story : I have never resided at this address. Its inclusion misrepresents my residency history and XXXX lead to inaccurate credit evaluation. Please verify the source of this address and remove it if unverifiable. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Status : Late Payment Law : FCRA Section 609 and 611 Verification of reported information Issue : Late payment status is inaccurate and unverifiable. 
Story : I dispute the late payment status on this account. I request verification of the payment history from the creditor. If they can not verify the accuracy, please delete this late payment notation. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Status : Charge Off Law : FCRA Section 611 Dispute inaccurate or unverifiable charge-offs Issue : The charge off is inaccurate or incomplete. 
Story : I do not recognize this charge-off or the amount reported. I request validation and supporting documentation for this charge-off. If unverifiable, it must be deleted to comply with FCRA. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$590.00} Status : Late Payment Law : FCRA XXXX XXXX Validation of disputed information Issue : Late payment claim is inaccurate or unverified. 
Story : I dispute the reported late payment on this account. Please provide proof of the payment status from the creditor. If unable to validate, remove this derogatory remark. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Law : FCRA Sections 609 and 611 Issue : Late payment status is incorrect. 
Story : I have a good payment history with this creditor. The reported late payment is inaccurate. I request reinvestigation and removal if not validated. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Law : FCRA Section 611 Issue : Inaccurate late payment reporting. 
XXXX : The late payment reported is incorrect. Please verify payment records with the creditor. Remove if not verified. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Status : Late Payment Law : FCRA Sections 609 and 611 Issue : Disputed late payment status. 
Story : I have consistently made payments on time. I dispute the late payment notation. Please verify and remove if unverifiable. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment Law : FCRA Section 611 Issue : Incorrect late payment reporting. 
Story : I do not acknowledge any late payments on this account. Please verify with the creditor and delete if inaccurate. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Status : Late Payment Law : FCRA Sections 609 and 611 Issue : Disputed late payment status. 
Story : I dispute the accuracy of the reported late payment. Please reinvestigate and provide validation. Remove if unverifiable. 

ACCOUNT : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Status : Late Payment Law : FCRA Sections 609 and 611 Issue : Late payment reporting disputed. 
Story : I request verification of this late payment from the creditor. Remove if it can not be verified. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Status : Collection Law : FCRA XXXX XXXX Issue : Collection account disputed. 
Story : I do not acknowledge this collection account or the amount. Please verify with the debt collector and creditor. Remove if unverifiable. 

INQUIRY : XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( XXXX ) Permissible Purpose for Credit Inquiry Issue : Inquiry is unauthorized or inaccurate. 
Story : I did not authorize this inquiry. Please provide documentation proving permissible purpose. Remove if unauthorized. 

INQUIRY : XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 Issue : Unauthorized credit inquiry. 
Story : I did not authorize this inquiry on this date. Please validate or delete. 

I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

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