Consumer complaint received 2025-08-27 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 the Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 609 and 611 require accurate and verifiable reporting Story : I have never lived at this address, never received mail here, nor signed any lease agreements. Reporting this false address links me to a location that is not mine, which may be tied to fraudulent accounts. This is creating confusion in my credit file and making it look like I have lived in multiple locations I know nothing about. Remove this address immediately. 

ADDRESS XXXX XXXX XXXX XXXX, LA XXXX XXXX : FCRA 611 ( a ) requires deletion if unverifiable Story : I have never resided in Louisiana. I have no relatives or employers connected to this location. The bureau has not provided any validation during the first dispute. Keeping this address in my file is inaccurate and harmful, making me appear as though I am tied to unknown obligations or debts. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaw/Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate Story : I do not acknowledge the late payment history being reported on this account. No proof of delinquency has been provided, and the creditor has failed to supply original billing statements. Reporting unverified late payments is a direct violation of federal law. This account must be deleted. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law/Issue : FCRA 611 ( a ) requires reinvestigation of disputed information Story : The reported late payments are not accurate. I have never received proper validation or proof of missed payments. This account is damaging my score and misrepresenting my payment history. If the creditor can not prove the accuracy with signed agreements and full payment records, this account must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Law/Issue : FCRA 602 ( A ) emphasizes protection from inaccurate information Story : I dispute the late payments tied to this account. They are being reported without supporting documents, creating a false negative history on my profile. No creditor has validated this in the first round of disputes. Delete this entry immediately. 

ACCOUNT AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Law/Issue : FCRA 607 ( b ) requires maximum possible accuracy Story : Reporting a late payment on an account with a {$0.00} balance is illogical, inaccurate, and misleading. It paints me as delinquent when no balance exists. This is false reporting and must be deleted immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Law/Issue : FCRA 611 ( a ) and 623 ( b ) require proper investigation and correction Story : I do not recognize this account or debt. No proof of ownership, signed contracts, or billing statements have been provided to me. Continuing to report a chargeoff without verification is unlawful. This account must be deleted. 

INQUIRY XXXX XXXX XXXX : Duplicate inquiry without authorization, FCRA 604 violation Story : This is the second unauthorized ONEMAIN inquiry. I never permitted this, and duplicate reporting is unlawful. Remove immediately. 

I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.

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