Consumer complaint received 2025-08-07 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 is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Law : FCRA 609 ( c ) ( 2 ) ( E ), 611 ( a ) Issue : Wrong and misleading address Story : This is an erroneous variation of another false address and is further confusing my report. Ive never lived or received services here. Please delete this item from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX Law : FCRA 609 ( c ) ( 2 ) ( E ), 611 ( a ) Issue : Completely unrelated address Story : I have never lived at this location nor have any legal association with it. Its presence is inaccurate and misleading. I demand its removal under FCRA law. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 609 ( c ) ( 2 ) ( E ), 611 ( a ) Issue : Unverified personal information Story : This address has nothing to do with me or my credit history. I am requesting immediate deletion from my report as required by law. 

ACCOUNT DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>XXXX  Balance Owed : {$3900.00} Late Payment Law : FCRA 611 ( a ), 609 ( a ) ( 1 ), 602A Issue : Inaccurate late payment reported Story : This account is reporting a late payment that I do not recognize. I was never late based on my records and no written proof has been provided to justify this derogatory mark. Please complete a thorough reinvestigation and remove this account if it can not be verified with accurate documents. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2300.00} Late Payment Law : FCRA 611 ( a ), 609 ( a ) ( 1 ), 602A Issue : Duplicate reporting with incorrect balance Story : This is a duplicate of the previous DEPTEDXXXX account, and the balance is being reported inconsistently. Late payment is again being falsely reflected without any valid verification. This must be corrected or removed under FCRA. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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