Consumer complaint received 2025-08-18 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 filing this complaint because my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and the Consumer Financial Protection Act have been violated by the inaccurate, misleading, and harmful reporting of the following accounts. These accounts contain false information, improper late payment history, charge offs, and other damaging entries that do not reflect accurate or verifiable records. I have suffered financial, emotional, and reputational harm due to these violations, including being denied fair access to credit, housing opportunities, and reasonable interest rates. I am demanding a full investigation and correction of all reporting errors. 
XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This address is being reported on my file, but I have never lived, worked, or had any financial association with it.

Law : FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 
Story : The presence of this wrong address makes it look as though I am tied to financial or rental activities in California, where I have never resided. This creates confusion and makes it appear that I may be connected to accounts or debts that are not mine. Such false reporting has a damaging psychological effect because it raises concerns about identity theft or file mixing. It is deeply unfair that my creditworthiness is being harmed by an address that is completely unrelated to my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : Another address listed without any connection to me.

Law : FCRA 1681i requires reinvestigation of disputed information.

Story : I have never lived at or even been associated with this address. Having such an unrelated address linked to me creates unnecessary red flags for lenders, landlords, and employers. When a potential creditor sees multiple addresses in different states that I never lived in, it makes me look unstable or fraudulent, which directly results in denials. This wrong reporting has therefore caused not only emotional stress but also financial harm by preventing me from securing better credit opportunities. 
XXXX XXXX XXXX XXXX Charge Off ( High Balance : {$19000.00} | Opened : XX/XX/XXXX ) * Issue : Reported as charge-off with no proper verification of the debt.

Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information.

Story : This large balance is being reported without any documentation proving that I owe it. I never received contracts, billing statements, or notices validating the debt. Having such a huge charge-off listed makes it look like I walked away from a major obligation, which seriously damages my reputation and ability to qualify for credit or housing. The stress of seeing this on my report is overwhelming because it unfairly paints me as financially irresponsible when the debt has not even been proven to be mine. 
XXXX XXXX Charge Off ( High Balance : {$4800.00} | Opened : XX/XX/XXXX ) * Issue : Reported inaccurately as charge-off.

Law : FCRA 1681i ( a ) ( 1 ) ( A ) requires reinvestigation of disputed accounts.

Story : I never received any communication validating this account. I do not recall opening this account, and without proof, it is impossible to verify ownership. Reporting this as a charge-off has had devastating consequences, including denial of personal loans and increased interest rates on necessary credit products. This kind of reporting without verification feels like a direct attack on my financial stability. 
XXXX XXXX XXXX XXXX  Late Payments ( High Balance : {$660.00} | Opened : XX/XX/XXXX ) * * Issue : Late payments inaccurately reported.

Law : FCRA 1681e ( b ) maximum accuracy required.

Story : The reported late payments do not align with my actual payment history. I was facing significant personal hardships during the pandemic, but I made every effort to keep my account in good standing. Even then, the creditor failed to show proper proof of the alleged late payments. Because of this inaccurate reporting, I have been unfairly labeled as a high-risk borrower. This is not just a technical errorit has had real consequences on my ability to secure auto financing and fair credit terms. 
XXXX XXXX XXXX Charge Off ( High Balance : {$5800.00} | Opened : XX/XX/XXXX ) * * Issue : Charge-off listed without documentation. 
Law : FCRA 1681s-2 ( b ) requires furnishers to verify disputed accounts. 
Story : I never received verification of this account. To this day, I have not been provided with any signed agreement or statement of charges. Reporting a charge-off without evidence violates my rights under federal law. This inaccurate entry has resulted in emotional stress and limited financial opportunities because lenders see it as a sign of default, even though it is unverifiable. 
XXXX XXXX XXXX Charge Off ( High Balance : {$2600.00} | Opened : XX/XX/XXXX ) * * Issue : Charge-off reported without proper validation. 
Law : FCRA 1681i requires reinvestigation.

Story : I was never notified properly before this account was marked as a charge-off. I have repeatedly requested verification but never received it. Seeing this charge-off every time I check my credit report is emotionally draining and financially damaging. Without proper evidence, it is unfair to hold me accountable for a balance that may not even belong to me. 
XXXX ( Multiple Accounts ) XXXXXXXX XXXX  Charge Off ( {$2100.00} | XX/XX/XXXX ) XXXX Charge Off ( {$9400.00} | XX/XX/XXXX ) XXXX Late Payment ( {$360.00} | XX/XX/XXXX ) Issue : Multiple accounts reported with late payments and charge-offs, many of which are unverifiable. 
Law : FDCPA 809 ( b ) requires debt validation, and FCRA requires maximum accuracy.

Story : These accounts are inconsistent and appear to be part of file-mixing or duplicate reporting. I never received validation for these balances, and the amounts do not match any legitimate records in my possession. Having multiple negative entries like this makes my credit report look significantly worse than it should, creating a distorted picture of my financial situation. This misinformation has already caused me denial of housing applications and rejection for essential credit lines. 
XXXX XXXX XXXX XXXX XXXX XXXX ( {$560.00} | Opened : XX/XX/XXXX ) * * Issue : Incorrect late payments reported.

Law : FCRA 1681i requires proper reinvestigation.

Story : The creditor has not provided any documentation to support these late payment claims. These inaccuracies harm my score every single month they are allowed to remain. 
XXXX XXXX XXXX XXXX XXXX Charge Off ( {$540.00} | Opened : XX/XX/XXXX ) * * Issue : Inaccurate charge-off reporting. 
Law : FCRA 1681s-2 prohibits reporting unverifiable accounts.

Story : No evidence linking me to this debt has been provided. Reporting this without proof is unlawful. 
XXXX XXXX Charge Off ( {$290.00} | Opened : XX/XX/XXXX ) * * Issue : Wrong charge-off reporting. 
Law : FDCPA 807 prohibits misrepresentation of debt.

Story : This small account is being reported in a way that makes me look irresponsible when in reality, the reporting is false. 
XXXX XXXX Late Payments ( {$20000.00} | Opened : XX/XX/XXXX ) * * Issue : Late payments inaccurately reported. 
Law : FCRA 1681e ( b ) maximum possible accuracy required.

Story : The reported delinquencies do not match my payment history. This has already led to higher auto loan interest rates, costing me thousands of dollars unfairly. XXXX XXXX XXXX XXXX XXXX Issue : Reported as Charge Off, High Balance {$1500.00}, Date Opened XX/XX/XXXX. 
Law : FDCPA 809 requires proper validation of any alleged debt. FCRA 623 ( a ) ( 1 ) ( A ) prohibits the reporting of information known to be inaccurate.

Story : This XXXX account was reported as a charge-off without any proper debt validation. I never received any written verification that the debt was owed or that XXXX had the legal right to report it. This is a clear violation of both the FDCPA and FCRA. Reporting a charge-off without proof of ownership and contract is damaging and misleading, and therefore it must be deleted. 
XXXX XXXX  Acct : XXXX Issue : Reported as Charge Off, High Balance {$110.00}, Date Opened XX/XX/XXXX. 
Law : FCRA 611 requires deletion of unverifiable items after dispute. FDCPA also prohibits reporting without proper validation.

Story : This is a small account that was wrongfully escalated into a charge-off. XXXX has never provided account documentation or any proof that I agreed to these terms. Reporting such a small, unverified debt as a charge-off is not only harmful but unlawful. This item must be deleted immediately as it is unverifiable. 
XXXX XXXX Acct : XXXXXXXX XXXX Issue : Reported as Charge Off, High Balance {$580.00}, Date Opened XX/XX/XXXX. 
Law : FCRA 605 ( a ) ( 4 ) limits the time negative information can remain on a report. Items older than 7 years must not be reported.

Story : This account is well beyond the proper reporting timeline and should no longer be reported. XXXX XXXX has failed to update or remove the item despite the expiration of the legal reporting period. Keeping this charge-off on my file is a direct violation of the FCRA and is causing continued harm. 
Hard Inquiries XXXX XXXX XXXXXX/XX/XXXX ) Issue : Unverified or unauthorized inquiries. 
Law : FCRA 604 requires that permissible purpose must exist for every inquiry. Unauthorized or duplicated inquiries are violations.

Story : These inquiries were not properly authorized, and in some cases, they appear as duplicates, which unfairly reduces my credit score. Without my written consent or legitimate application, no company has the right to access my credit file. These inquiries must be removed immediately.

I have made multiple disputes regarding these accounts, yet the credit reporting agencies and furnishers continue to report inaccurate, unverifiable, and harmful information. This violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Each of these accounts represents ongoing harm, preventing me from accessing fair credit and opportunities. I am requesting that the CFPB require the furnishers and reporting agencies to immediately delete or correct these accounts, provide full validation, and ensure compliance with federal law. I respectfully request swift enforcement action to protect my rights and to ensure fair and accurate reporting on my consumer credit file.

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