Consumer complaint received 2025-08-23 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:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverifiable, and unauthorized entries on my credit report that have caused me severe financial harm, emotional distress, and reputational damage. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and related federal laws. The continued reporting of these inaccuracies has denied me access to credit, inflated interest rates, and created significant stress that has affected my health, family, and overall quality of life. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong Address Law : Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must assure maximum possible accuracy. Reporting addresses that do not belong to me is a direct violation.

Story : I have never lived at this address, nor do I have any connection to it. Yet it is being wrongfully associated with my credit file. The continued reporting of an address that is not mine misrepresents my identity, exposes me to potential fraud, and is a violation of my privacy rights. This false reporting also suggests mixed files, which is a known FCRA violation. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong Address Law : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) requires accurate file disclosures. Reporting addresses I have no relationship with is unlawful.

Story : This address has no connection to me, and its appearance on my credit report shows that the agencies have failed to maintain accurate records. By associating me with locations I never lived at, the agencies are creating confusion and damaging my reputation. This inaccurate data could allow third parties to misinterpret my financial identity and unlawfully associate debts or liabilities to me. 
XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting inaccurate information. Additionally, if a balance is {$0.00}, continuing to report a charge-off is misleading and deceptive.

Story : This account is being reported as a charge-off, but it clearly shows a {$0.00} balance. It is contradictory and misleading for an account with no balance to be marked as a charge-off. This creates confusion for lenders and reflects negligence in reporting practices. It shows that the furnisher is failing to report accurate and complete data, which is a violation of my consumer rights. 
XXXX XXXX XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 602 ( A ) ( 1 ) emphasizes the need for accurate credit reporting for fair and efficient credit decisions. Continuing to report outdated or unverifiable charge-offs is a direct violation. FDCPA 807 also prohibits the reporting of misleading information.

Story : This account is being reported as a charge-off even though it is well beyond its useful reporting period and has not been validated. Outdated and unverifiable accounts should not remain on my credit file. The continued presence of this derogatory account has harmed me financially and caused undue stress as it misrepresents my true creditworthiness. 
U.S. Bankruptcy Court XXXX Issue : Bankruptcy Reporting Law : FCRA 605 ( a ) ( 1 ) restricts bankruptcies from being reported after 10 years. Any reporting beyond this period is unlawful. Additionally, bankruptcy records must be reported with strict accuracy.

Story : My credit file reflects a bankruptcy that is inaccurate and misleading. Either the reporting is outside the legal timeframe, or the data being reported is incomplete or unverifiable. The inaccurate reporting of bankruptcy is extremely damaging to my credit, as it represents one of the most serious derogatory items possible. If the credit bureaus and furnishers can not prove its validity and timeliness, it must be deleted immediately. 
XXXX XXXX XX/XX/XXXX Issue : Hard Inquiry Law : FCRA 604 ( a ) ( 3 ) requires that inquiries only be made with permissible purpose and my written consent. Unauthorized or unexplained inquiries are illegal. 
Story : This inquiry from XXXX XXXX was not authorized by me, and I did not give written permission for this access. Unlawful inquiries are harmful because they reduce my credit score and suggest activity that I did not authorize. This is a violation of my privacy and FCRA protections.

In conclusion, these accounts, collections, late payments, charge offs, and unauthorized inquiries are inaccurate, unverifiable, and damaging. I request that all disputed items be fully investigated, verified with original documentation, or permanently deleted from my credit report. Failure to resolve these matters will leave me with no choice but to pursue further action with the CFPB, state regulators, and legal remedies under FCRA 616 and 617.

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