Consumer complaint received 2025-08-13 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 filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly. 
ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address Law : FCRA 602A, 604, 607 ( B ) You are required to maintain maximum possible accuracy in consumer reports and to ensure that only verifiable personal information is reported Issue : This is not nor has ever been my address and reporting it is factually incorrect Story : I have never resided at this location, received mail there, or used it for any credit application; keeping this address on my file may cause confusion and link me to accounts that are not mine, leading to potential identity mix-ups ACCOUNT XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 602A, 607 ( B ), 611 Information must be accurate, verifiable, and complete Issue : Reported balance and charge-off status are inaccurate and unverified Story : This account is being reported with conflicting details, including a {$0.00} balance yet marked as a charge-off ; this is inconsistent and indicates that the reporting XXXX be outdated, incomplete, or unverifiable XXXX XXXX XXXXXXXX * High Balance : {$10000.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 602A, 607 ( B ), 611 Duty to maintain accuracy and delete unverifiable data Issue : The amount and status reported do not match my records Story : This account is inaccurately showing as a charge-off with an incorrect high balance ; I demand proper verification directly from the original creditor or immediate deletion DPT EDXXXX XXXX * High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 All late payments must be fully verifiable Issue : Late payment reporting is inaccurate and unverified Story : I dispute the reported delinquency ; without original creditor payment history proof, this record must be removed DPT EDXXXX XXXX * High Balance : {$3000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Maximum possible accuracy required Issue : Dates and late payment status are incorrect Story : The payment record conflicts with my actual payment history and must be verified with original statements SXXXX XXXX XXXXXXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 602A, 607 ( B ), 611 Inaccurate and unverifiable data must be removed Issue : High balance and charge-off status conflict with actual account records Story : The creditor has not provided proper verification in the prior dispute ; continued reporting is a violation DPT EDXXXX XXXX * High Balance : {$7000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Obligation to maintain accuracy Issue : Reported late payment is not backed by verifiable proof Story : Without proof from the original creditor, this entry must be deleted immediately DPT EDXXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Must be fully verified Issue : Reported delinquency date is inaccurate Story : The date and payment record do not match my actual account history XXXX XXXX XXXXXXXX * High Balance : {$29000.00} Date Opened : XX/XX/XXXX Chargeoff Law : FCRA 602A, 607 ( B ), 611 Requires full verification Issue : Reporting a large high balance without proof is inaccurate Story : This reporting has not been substantiated with original creditor documentation DPT EDXXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy requirement Issue : Dates and payment status are incorrect Story : No valid proof of delinquency has been provided by the furnisher DPT EDXXXX XXXX * High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : The late payment record is unverified Story : The reported negative information is not supported by proper documentation DPT EDXXXX XXXX * High Balance : {$7000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : Inaccurate reporting of late payment Story : The alleged delinquency is unsupported and must be removed DPT EDXXXX XXXX * * High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : No verifiable proof provided Story : Must be deleted due to lack of original payment record XXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : Reporting incorrect late payment Story : Without creditor verification, this record is invalid DPT EDXXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment Law : FCRA 607 ( B ), 611 Accuracy required Issue : Dates and status incorrect Story : The information has not been validated and should be deleted I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law . I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under the FCRA.

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