Consumer complaint received 2025-12-24 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 formally dispute multiple inaccuracies, misleading reporting, and unauthorized credit inquiries appearing on my consumer credit reports. Despite my rights under federal law, these errors continue to be reported without proper verification, causing ongoing financial and reputational harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Address This address does not belong to me and I have no knowledge of it. 
Under FCRA 1681e ( b ) and 1681i ( a ), credit reporting agencies must ensure maximum possible accuracy of personal information. 
I request immediate deletion of this incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Address I do not recognize this address and have never resided there. 
Reporting inaccurate identifying information violates FCRA 1681e ( b ). 
Please delete this address from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reporting Late Payment * * The late payment history reported on this account is inaccurate and misleading. 
Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ), furnishers and CRAs must report accurate and verifiable payment history. 
If this information can not be fully verified, I request it be corrected or updated immediately. 

XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reporting Late Payment * * This account contains late payment information that is not accurate. 
Incomplete or incorrect reporting violates FCRA 1681e ( b ) and 1681s-2 ( b ). 
Please correct or update the inaccurate payment history. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reporting Late Payment * * The late payment data reported does not reflect accurate account history. 
Pursuant to FCRA 1681e ( b ) and 1681i ( a ), unverifiable data must be corrected. 
I request an immediate correction/update. 

XXXX XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX | Balance : {$2700.00} | Charge-Off * * I have no knowledge of this account and do not recognize it. 
Under FCRA 1681c ( a ), 1681e ( b ), and 1681i ( a ), unverified charge-off accounts must not be reported. 
If Experian can not verify this account with competent evidence, it must be deleted immediately. 

XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$32000.00} | Charge-Off * * This is another charge-off account that I do not recognize and have no knowledge of. 
Reporting unverified charge-off information violates FCRA 1681e ( b ) and 1681i ( a ). 
I request complete deletion if verification can not be produced. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reporting Late Payment * * The late payment history on this account is inaccurate. 
Under FCRA 1681s-2 ( a ) ( 1 ) and 1681e ( b ), payment history must be accurate and complete. 
Please correct or update this information immediately. 

XXXX  XXXX Acct # XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reporting Late Payment * * I dispute the accuracy of the late payment reporting on this account. 
Failure to ensure accuracy violates FCRA 1681e ( b ). 
I request correction or update upon investigation. 

XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$3800.00} | Charge-Off * * I have no knowledge of this charge-off account. 
Unverified reporting of derogatory accounts violates FCRA 1681e ( b ) and 1681i ( a ). 
Please delete this account if it can not be fully verified. 

XXXX  XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$47000.00} | Charge-Off * * I do not recognize this account and have no knowledge of it. 
Reporting unverifiable charge-off data violates FCRA 1681c ( a ) and 1681e ( b ). 
I request immediate deletion. 

XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off * * This account is unfamiliar to me and can not be verified. 
Under FCRA 1681e ( b ) and 1681i ( a ), inaccurate charge-off accounts must be removed. 
Please delete this item. 

US BKPT CT XXXX  XXXX XXXX Reference # XXXX Bankruptcy I have no knowledge of this public record being associated with me. 
Reporting unverifiable public record information violates FCRA 1681e ( b ) and 1681c ( a ). 
If this bankruptcy can not be verified as mine, it must be deleted immediately. 

XXXX XXXX  / XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry was not authorized by me. 
Under FCRA 1681b ( a ), inquiries require a permissible purpose. 
Please delete this inquiry if authorization can not be proven. 

XXXX XXXX XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry and have no relationship with this entity. 
Unauthorized inquiries violate FCRA 1681b ( a ) and 1681e ( b ). 
I request immediate deletion. 

These violations have negatively impacted my credit profile, increased risk of identity misuse, and caused financial stress. I am requesting CFPB oversight to ensure these matters are resolved promptly and lawfully.

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