Consumer complaint received 2025-09-09 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 regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not and has never been connected to me. I have never lived, worked, or received mail at this location, yet you continue to report it as part of my credit file. Associating my name with a residence I never occupied misleads creditors, employers, and lenders into believing I lived there and creates a false picture of instability. It also makes it appear as if I may be connected to accounts or activities at this address, which is untrue. Under FCRA 607 ( b ) and 611, you are required to ensure maximum possible accuracy and conduct a proper reinvestigation when a consumer disputes. The failure to delete this wrong address after prior disputes shows noncompliance and negligence. Every day this wrong address remains, my report is compromised, and my rights under federal law are violated. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is also being falsely reported as mine even though I have never resided there and have no personal, financial, or legal ties to it. Including this address on my report causes serious confusion by suggesting I lived at a place that does not belong to my history, making my profile appear unstable or misleading. Such an error creates risks for me as creditors may associate me with accounts opened at that address or with other individuals connected to it. This is both inaccurate and harmful. The FCRA requires credit bureaus to delete or correct unverifiable or inaccurate information, yet despite my prior requests this wrong address is still on file. Keeping it attached to me demonstrates a clear failure of reinvestigation and damages my ability to maintain an accurate credit history. This continued reporting violates my rights under sections 609 and 611 of the FCRA and must be corrected without further delay. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is being reported with late payments even though the balance is XXXX, which makes the reporting inherently inaccurate. A XXXX balance means no debt is owed, and therefore, no late payments can logically exist unless there is a verifiable billing record showing otherwise. To date, no such documentation has been provided, and your agency has failed to produce any evidence that late payments were made on this account after closure. The FCRA under Section 607 ( b ) requires credit reporting agencies to assure maximum possible accuracy, yet reporting lates on a closed account misrepresents my payment history and creates the appearance of delinquency where none exists. This false reporting unfairly lowers my credit score and paints me as a risky borrower when I am not. It also violates FCRA Section 611, which obligates you to remove unverifiable or incorrect data after a consumer dispute. By refusing to delete these false lates, you are harming me financially and professionally. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} This account is reported as a charge-off, but no supporting evidence has been provided showing that I opened or used this account. There is no signed application, no record of transactions, and no billing statements connecting me to it. Reporting such an account without proof of ownership directly violates FCRA 607 ( b ) and 609, which demand that only verifiable and accurate information be placed on consumer reports. I have requested verification multiple times, and you have failed to provide it, which demonstrates noncompliance with Section 611 requiring proper reinvestigation. The continued reporting of this unverifiable account not only damages my credit but also misrepresents me to creditors as someone who defaulted, when in fact, no proof exists to support that claim. The reporting of this account is unlawful and must be removed immediately to comply with federal law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$480.00} This is a duplicate of the above account, and reporting the same debt twice under different balances is grossly inaccurate and misleading. This duplication creates a double negative impact on my credit report by making it appear that I defaulted on two separate accounts when in reality, there is only one disputed item. Under FCRA 607 ( b ), accuracy is required at all times, and duplicating derogatory information is the opposite of accuracy. Furthermore, the FCRA obligates you to conduct a reasonable reinvestigation under Section 611, and yet you have failed to identify and delete this duplicate entry. The fact that two different balances are listed for what is essentially the same account also calls into question the legitimacy of the reporting process. Such misleading reporting unfairly drags down my score, makes me look financially irresponsible, and harms my ability to access fair credit. This duplicate entry must be deleted without delay. 

Inquiries XXXX XXXX XXXX XX/XX/XXXX This inquiry is also inaccurate and unauthorized. I did not initiate any transaction, application, or service request that would justify access to my credit report by this company. Reporting this inquiry lowers my score and falsely suggests financial activity that never happened. Under the FCRA, hard inquiries without consent violate consumer protections and demonstrate reckless handling of sensitive data. Continuing to display this inquiry after dispute is noncompliant and harmful. 

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

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