Consumer complaint received 2025-10-09 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 to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies and unauthorized activities on my credit file that have caused me significant financial harm, stress, and unjust damage to my credit reputation. I am demanding immediate investigation and corrective action to ensure compliance with federal consumer protection laws. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address has never been associated with me. It is inaccurately reported as my residence and misrepresents my personal history. Misreporting an address can lead to wrongful denials of credit and confusion with identity verification. I have never lived at this address, nor authorized its use in any financial or legal context. Documentation, including utility bills, bank statements, government correspondence, and lease agreements, confirms my true address. Under 15 U.S.C. 1681i, you are required to correct or delete inaccurate address information. Maintaining this incorrect address violates my rights under the FCRA. I request immediate removal of this address. Continued reporting of this inaccuracy can cause financial and reputational harm. Any verification that can not be substantiated should result in deletion. Misreporting addresses is a common source of identity confusion and fraudulent activity. I demand a complete investigation into how this error occurred. I expect prompt notification of the outcome. Legal precedent supports removal of unverifiable addresses. This entry is unverifiable and should be deleted. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX This address is not associated with me in any capacity. I have never resided at this location. Reporting this address inaccurately constitutes a violation of my rights under the FCRA. It is misleading to lenders and other users of my credit report. Documentation from official sources confirms that I have no connection to this property. Misreporting addresses can result in erroneous credit denials. Under 15 U.S.C. 1681i ( a ) ( 1 ), credit bureaus must correct or delete unverifiable information. I demand verification of the source for this address and immediate removal if it can not be confirmed. Retaining this inaccuracy harms my credit reputation. This entry is completely unverifiable and unsubstantiated. Any continued reporting violates federal law. I request documentation of how this address was added. Removal is required to maintain report accuracy. Incorrect addresses increase the risk of identity theft. I demand written confirmation of deletion. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$5600.00} This account is being reported as a charge-off, which is inaccurate. I have documentation demonstrating timely payments and account management in good standing. The reported charge-off is unverifiable and misleading. Under 15 U.S.C. 1681i, bureaus must remove unverified negative information. Reporting this as a charge-off negatively affects my credit score and reputation. The creditor has not provided proof of delinquency. I request verification of the account status and immediate deletion if unverifiable. Reporting false information constitutes a violation of FCRA. I have maintained records of payment history supporting my claim. Unverified charge-offs are considered misleading reporting. The continued presence of this account is causing undue financial harm. I demand removal or correction. Failure to verify this account violates federal law. I expect full disclosure of verification steps. Any unverifiable negative account must be deleted immediately. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} This account is inaccurately reporting late payments. I have evidence that payments were made on time per the loan agreement. Unverified negative reporting violates 15 U.S.C. 1681i ( a ) ( 1 ). The continued reporting of inaccurate late payments misrepresents my payment history. I demand verification with supporting documentation from the creditor. If unverifiable, all late payments must be removed. Misreporting impacts my creditworthiness and potential access to credit. Maintaining unverifiable entries is a violation of FCRA. I request immediate correction or deletion. Documentation supporting timely payments is available. I demand written confirmation of reinvestigation results. Any failure to remove unverifiable information constitutes legal noncompliance. This account has harmed my credit reputation unnecessarily. All negative reporting must be substantiated. Unverified late payments should be removed permanently. I expect strict adherence to FCRA guidelines. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} Late payments reported on this account are inaccurate. I have complete records proving timely payment. Under FCRA 623 ( a ) ( 5 ), furnishers must provide accurate information. Reporting unverifiable late payments is a violation of federal law. The negative reporting is misleading to creditors and affects my creditworthiness. I demand verification of all reported delinquencies. If the information can not be verified, deletion is required. Unverified late payments misrepresent my financial responsibility. I request full disclosure of verification results. Failure to correct or remove false entries constitutes a violation. I expect immediate reinvestigation and correction. Documentation confirms my compliance with payment terms. Retention of unverifiable information violates my rights. Unverified entries must be permanently removed. This account 's negative reporting is damaging and inaccurate. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX   Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} This account is inaccurately reporting late payments. Documentation shows timely payments within the contractual periods. 15 U.S.C. 1681i ( a ) ( 1 ) requires removal of unverifiable information. Reporting false delinquencies harms my credit reputation. Verification from the creditor is required. If unverifiable, all negative information must be deleted. Misrepresentation of this account violates FCRA. Retention of inaccurate reporting is unlawful. I demand immediate reinvestigation and removal of unverifiable late payments. Records prove compliance with loan obligations. Continued reporting negatively impacts my creditworthiness. I request written documentation of verification steps. Legal requirements mandate removal of unverifiable information. This account must be corrected or deleted. Verification failure is a violation of my rights. 

Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This hard inquiry was made without my authorization. Unauthorized inquiries violate FCRA 604. I did not consent to this inquiry. The presence of this inquiry is inaccurate and harmful. Unauthorized hard pulls can lower my credit score and misrepresent credit activity. I demand immediate removal. The inquiry is unverifiable and lacks proper documentation. Retention violates federal law and credit reporting standards. I expect written confirmation of deletion. Unauthorized inquiries create unnecessary financial risk. I request a full investigation of how this inquiry was added. Removal is required to maintain accurate reporting. Continued reporting constitutes legal noncompliance. All unauthorized inquiries must be removed permanently. This inquiry is incorrect and damaging. I demand prompt correction. 

I request CFPB to investigate these inaccurate address listings, the disputed charge-off, and unauthorized inquiry. Each item represents a violation of the FCRA and, where applicable, FDCPA. These inaccuracies are causing financial, emotional, and reputational harm. I demand reinvestigation, correction, and deletion of unverifiable or unauthorized items to restore my credit integrity. I expect CFPB oversight to ensure compliance and accountability from all involved credit reporting entities and furnishers.

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