Consumer complaint received 2025-09-26 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 submitting this complaint regarding multiple inaccuracies on my credit report that have severely impacted my financial standing and personal reputation. I request immediate investigation, correction, and deletion where applicable under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and related federal statutes. 
XXXX XXXX XXXX # XXXX XXXX, CA XXXX Wrong Address This address is incorrectly reported as associated with me. I have never resided at this location nor authorized its use in any financial account. FCRA 1681i ( a ) obligates credit reporting agencies to ensure the accuracy of all information, and reporting a wrong address constitutes a direct violation of this statutory duty. I demand immediate correction or removal of this inaccurate address. 
XXXX XXXX High Balance {$1000.00} Opened XX/XX/XXXX Late Payment : This account shows late payments that I have never made. I have always paid my bills on time and have no knowledge of this account. Reporting a late payment for an account I did not open is a direct violation of FCRA Section 609 ( a ) ( 1 ) and Section 623 ( a ) ( 1 ). The incorrect reporting has caused me unnecessary stress, affected my credit score, and hindered my ability to obtain loans. I demand that this accounts payment history be corrected immediately to accurately reflect that I have no late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for or used this account. Its reporting as a charge-off is fraudulent and misleading. This inaccurate information has caused me emotional distress and could negatively impact employment and housing opportunities. Under FCRA Section 611 ( a ), I request that this account be deleted from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : This account is entirely unknown to me. I have never received credit, statements, or notices for this account. Reporting it as a charge-off without verification is a violation of FCRA and has caused harm to my reputation and financial standing. I demand full deletion. 
XXXX XXXX XXXX XXXX  {$1700.00} Opened XX/XX/XXXX XXXX : I have never opened or used this account. Its presence on my credit report is damaging my creditworthiness and is completely inaccurate. I request immediate removal and written confirmation of deletion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is fraudulent. I have no knowledge of it and never received any credit or loans from this institution. Its reporting as a charge-off is unlawful and violates my rights under FCRA Section 611 ( a ) and FDCPA Section 809. I demand its deletion and correction of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I have no knowledge of this account and never applied for or received credit from XXXX  Reporting this account as a charge-off is fraudulent and violates my rights under FCRA Section 611 ( a ) and FDCPA Section 809. The false reporting has caused financial stress and may negatively impact my ability to secure loans. I demand immediate deletion of this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is entirely unknown to me. I did not authorize it, nor have I received any services or loans from XXXX. Its reporting as a charge-off is inaccurate and has caused significant harm to my creditworthiness. I request its immediate removal under FCRA and FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection : I have no relationship with XXXX, and this account does not belong to me. Its presence on my credit report as a collection is fraudulent and violates FCRA Section 611 ( a ). I request full deletion of this account and any related collection entries. 
Regarding unauthorized inquiries, I did not authorize the following hard inquiries and request investigation and removal under FCRA Section 604 ( a ) : XXXX XXXX XX/XX/XXXX These inquiries are inaccurate and were not authorized by me. 
XXXX XXXX XX/XX/XXXX I did not authorize this inquiry ; it is impacting my creditworthiness. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry is fraudulent and must be removed. 
XXXX XXXX XXXXXXXX I have no knowledge or relationship with this creditor ; the inquiry is unauthorized. 
The repeated reporting of inaccurate addresses, late payments, and unknown chargeoff accounts demonstrates negligence and failure to comply with federal credit reporting standards. I request that CFPB enforce my rights and ensure that these inaccuracies are fully corrected or deleted. I expect a formal response within the timelines mandated by federal law. Failure to act will leave me no choice but to pursue legal remedies.

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