Consumer complaint received 2025-08-13 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 ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA 607 ( B ) Duty to assure maximum possible accuracy Issue : Wrong address reported, not associated with me Story : This address has never been my residence and is being inaccurately linked to my credit file, potentially due to mixed file errors. It must be removed to ensure my report reflects only correct personal information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Law : FCRA 607 ( B ) Duty to assure maximum possible accuracy Issue : Wrong address reported, not associated with me Story : I have never lived at or been connected to this address. The continued reporting of this address violates the accuracy requirements of the FCRA and may cause false associations with accounts that are not mine ACCOUNTS XXXX XXXX XXXX XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 611 Right to dispute inaccurate information Issue : Account status and balance are being inaccurately reported Story : This account is not mine, and no verifiable proof of my responsibility has been provided. It continues to appear despite my prior dispute, which violates my rights under the FCRA XXXX XXXX XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 611 Right to dispute inaccurate information Issue : Chargeoff status reported without proper validation Story : The furnisher has failed to provide any signed contract or payment history proving I am responsible for this debt. The account must be deleted if unverifiable XXXX XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ) Duty to assure accuracy Issue : Late payment history is being reported without full payment record verification Story : The reported dates and delinquencies are inconsistent with my records, indicating an error or mixed file issue XXXXXXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 611 Right to dispute inaccurate information Issue : Chargeoff status is unverified and inaccurate Story : No supporting evidence was provided in my previous dispute to validate this account, yet it remains on my credit file XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 607 ( B ) Duty to assure accuracy Issue : Reporting a {$0.00} balance account as a chargeoff is inaccurate Story : The reporting contradicts itself, which indicates an error that must be corrected or removed XXXX XXXX XXXX High Balance : {$960.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 611 Right to dispute Issue : No validation of account ownership has been provided Story : The creditor has not produced any documentation bearing my signature or confirming my liability for this debt XXXXXXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 607 ( B ) Issue : Reporting inconsistent payment and balance data Story : The account history shows conflicting information between different bureaus, indicating inaccurate reporting XXXX XXXX XXXXXXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ) Issue : Late payment reported without complete payment verification Story : The dates and amounts do not align with any records I possess and no verification was provided XXXX XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 611 Issue : Account reporting is unverifiable Story : No proper investigation outcome has been provided from my last dispute, violating my right to accurate reporting XXXX XXXX XXXX XXXX XXXX High Balance : {$890.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 607 ( B ) Issue : Chargeoff status is unsupported by documented evidence Story : This appears to be an error and must be removed if no signed agreement can be produced COLLECTIONS XXXX XXXX XXXX XXXX  High Balance : {$1800.00} Date Opened : XX/XX/XXXX Collection Law : FCRA 611 Right to dispute inaccurate information Issue : Collection reported without validation Story : The collector failed to provide proof of debt ownership and assignment during the first dispute XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Collection Law : FCRA 611 Issue : Debt validation not received Story : The continued reporting of this collection without verification is a violation of my rights under the FCRA XXXX XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Collection Law : FCRA 607 ( B ) Issue : Inaccurate balance and account ownership Story : The reported balance fluctuates between reports, indicating unreliable reporting practices XXXX XXXX XXXX XXXX XXXX High Balance : {$790.00} Date Opened : XX/XX/XXXX Collection Law : FCRA 611 Issue : No validation of debt provided upon request Story : The agency failed to produce a chain of title or original signed agreement showing I owe this debt I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under 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