Consumer complaint received 2025-11-12 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:
This is a formal complaint being filed against multiple furnishers and credit reporting agencies for their continued violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. Despite my prior disputes, these entities have failed to conduct a lawful reinvestigation, continued reporting inaccurate data, and allowed unauthorized information to remain on my credit report. These actions have severely harmed my credit reputation, denied me financial opportunities, and caused emotional distress. I am requesting immediate investigation, deletion of inaccurate data, and confirmation of compliance with federal law. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX I never lived or received mail here. Reporting this violates FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). Delete this unverifiable address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address has no connection to me. Keeping it on file violates 607 ( b ). Remove it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX {$0.00XXXX XXXX XXXX XXXX * False late payment reported. No proof has ever been provided. Violates 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( A ). Delete this item. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX {$0.00} Late Payment * * Inaccurate reporting without verification breaches 611 ( a ) and FDCPA 807 ( 8 ). Remove this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX {$0.00} Late Payment * * Unverified late payment violates XXXX ( b ) and XXXX ( a ). Delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX {$11000.00} XXXX XXXX * * Charge-off can not be verified or validated. Violates 611 ( a ), 623 ( b ), and FDCPA 809 ( b ). Delete this item. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX {$900.00} Charge Off * * Debt buyer has provided no proof or chain of title. Violates 623 ( a ) ( 1 ) ( A ) and 809 ( b ). Remove this unverifiable debt. 

INQUIRY XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry was unauthorized and conducted without permissible purpose, violating FCRA 604 ( a ) ( 3 ). I never applied for credit with this institution, and no consent was provided for this hard pull. 

The continued reporting of unverifiable, inaccurate, and unauthorized data by these entities shows systemic disregard for federal law and consumer rights. I am demanding that the Consumer Financial Protection Bureau investigate these violations, enforce corrective action, and ensure permanent deletion of inaccurate items from my credit reports. I further request written confirmation from all involved parties detailing corrective measures and compliance actions taken as a result of this complaint.

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