Consumer complaint received 2025-08-06 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 writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies XXXX Experian, XXXX, and XXXX XXXX  and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX Law : FCRA Section 602 A and Section 609 ( c ) ( 2 ) ( E ) Issue : This address is incorrectly reported and does not belong to me. 
Story : I have never lived at this location nor have I ever been associated with it. Reporting an address not connected to my identity is misleading and violates the accuracy requirement of the FCRA. This misinformation could severely damage my creditworthiness. I am requesting immediate deletion of this address from all records. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX Law : FCRA Section 602 A and Section 609 ( c ) ( 2 ) ( E ) Issue : This address is being falsely associated with my credit profile.

Story : I have no residential or personal link to this address. I believe it may have been added due to identity confusion or error in data merging. I request the bureau to verify its legitimacy or remove it immediately to protect my credit integrity. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 and 15 U.S. Code 1681i Issue : Late payment being reported inaccurately on this account.

Story : This account shows late payments that I dispute as inaccurate. I was experiencing financial hardship at the time and I attempted to negotiate assistance with the lender. I believe the reporting of these delinquencies is either outdated or does not reflect accurate communication with the lender. Please reinvestigate and correct or remove this item from my report. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 and 15 U.S. Code 1681i Issue : Report contains inaccurate delinquency data.

Story : I dispute the accuracy of the reported late payments. The history on this account is inconsistent with my records. I demand a reinvestigation with full validation, including all statements and correspondence showing payment terms and dates. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Law : FCRA Section 609 and 15 U.S. Code 1681g Issue : Account reported as charge-off without proper validation.

Story : This account is being reported as a charge-off, but I never received proper notices or documentation regarding this status. I demand a full validation of this account under Section 609, including all billing statements, signed agreements, and charge-off notices. If this can not be verified, it must be deleted. 

ACCOUNT XXXX  XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 and 15 U.S. Code 1681i Issue : Late payments reported without context or verification.

Story : I dispute the reported late payments for this account. I had previously contacted the creditor during COVID-19 requesting payment deferrals and was informed it would not negatively impact my report. The reported delinquencies may be in violation of temporary federal accommodations and must be reinvestigated immediately. 

ACCOUNT DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$29000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 609 and 15 U.S. Code 1681g Issue : Reported with late payments not fully verified.

Story : I am requesting a full reinvestigation into the accuracy of this education-related debt. During the period reported as late, I was under a deferment plan. The negative marks are damaging and inaccurately reflect my repayment behavior. Please validate with proper documentation or remove this tradeline. 

INQUIRY XXXX  XXXX XX/XX/XXXX Law : FCRA Section 604 and 15 U.S. Code 1681b ( c ) Issue : Duplicate and unauthorized credit inquiry.

Story : This appears to be a duplicate or repeated inquiry on the same date from the same entity. I did not grant permission for either. These entries are damaging and must be deleted from my report.

The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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