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:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Addresses XXXX Deer XXXX XXXX XXXX, CA XXXX This address is completely inaccurate and should never have been reported as part of my file. I have never lived, received mail, or conducted any business tied to this location. Keeping it in my credit report causes unnecessary confusion and links me to activity that is not mine. Under FCRA Section 607 ( b ), credit bureaus are required to ensure maximum possible accuracy. By retaining this false address even after being disputed, the bureau is failing in its duty to investigate and creating a risk of misidentification and fraud against me. 

XXXX XXXX XXXX XXXX, CA XXXX This address is also not mine and has no valid connection to my residency or financial history. I have never signed any lease, opened any account, or received any correspondence connected to this location. Including this false information damages my credit profile by suggesting possible ties to accounts or activity that are not mine. The FCRA requires credit reporting agencies to delete unverifiable data when disputed. Keeping it after notice is a violation of my consumer rights and demonstrates a failure to conduct a proper reinvestigation as the law requires. 

ACCOUNTS XXXX Account # : XXXX * * * * * * * * * * Balance : {$220.00} Date Opened : XX/XX/XXXX This account is reporting late payments which I dispute as inaccurate and misleading. The Fair Credit Reporting Act requires complete accuracy in the reporting of consumer data, yet this account continues to damage my profile despite no verifiable proof of delinquency being provided. I have requested validation, but none has been furnished that confirms the accuracy of the alleged late payments. Reporting an account in this manner without proper investigation is a violation of my consumer rights and creates a false impression of risk to potential creditors. The balance shown also raises concerns as it appears inconsistent with my records and no supporting evidence has been produced. A lawful reinvestigation is required, and until proper documentation is presented, this entry should be deleted. 

XXXX Account # : XXXX * * * * * * * * * Balance : {$150.00} Date Opened : XX/XX/XXXX The reporting of this account as having late payments is unfair, inaccurate, and misleading. Under the FCRA, credit bureaus are required to ensure maximum possible accuracy, but this obligation has not been met. No original contract, payment history breakdown, or lawful verification of delinquency has been provided to justify these claims. Continuing to publish unverified negative data directly harms me by lowering my creditworthiness, which violates federal law. I request an immediate reinvestigation, removal of unverifiable information, and a correction of my file to reflect only accurate and complete information. 

XXXX XXXX XXXXXXXX Account # : XXXX * * * * * * * * * * Balance : {$25.00} Date Opened : XX/XX/XXXX This account is showing a late payment status that is factually incorrect and must be corrected. The balance and reporting history can not be verified with any legally required documentation. Under the Fair Credit Reporting Act, the credit bureau must either correct or delete information that can not be substantiated. Failure to uphold this responsibility results in unlawful harm to me as a consumer. The ongoing reporting of this unverifiable delinquency demonstrates negligence and unfair practice. I dispute the accuracy of this account in its entirety and demand full deletion if proof can not be lawfully validated. 

XXXX Account XXXX : XXXX * * * * * * Balance : {$290.00} Date Opened : XX/XX/XXXX This entry is damaging and inaccurate as it reflects late payments that are not supported by verified documentation. The creditor has not produced proof of the alleged delinquency, nor has the bureau conducted a lawful reinvestigation under Section XXXX of the FCRA. Any negative reporting without proper verification violates my rights and creates an inaccurate profile of my creditworthiness. The balance listed also appears inconsistent, and without proper evidence, the reporting of this account constitutes an error. This item must be corrected or deleted immediately to ensure compliance with federal law. 

XXXXXXXX XXXX XXXX Account # : XXXX * * * * * * * * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX This account is reported with late payments, yet the balance is shown as {$0.00}, which is inconsistent and creates a misleading picture of my credit history. The creditor has not furnished proper documentation to verify the alleged delinquencies, nor has the bureau conducted the lawful reinvestigation required under the FCRA. Continuing to publish unverifiable derogatory information is unlawful and prejudicial to me as a consumer. Without verifiable evidence, this entry is inaccurate and must be removed from my credit file. 

AXXXX XXXXXXXX Account # : XXXX * * Balance : {$0.00} Date Opened : XX/XX/XXXX This entry shows late payments, yet the creditor has provided no legal documentation or contract proving the alleged delinquency. A {$0.00} balance account should not reflect ongoing late payment issues, which indicates an error in reporting. The Fair Credit Reporting Act protects consumers against the reporting of unverifiable or inaccurate information, and this account falls within that scope. I dispute the entirety of this entry and demand deletion unless fully validated by original documentation. 

XXXX Account # : XXXX * * * * * * * * * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX This account is reporting late payments inaccurately and without proper substantiation. I have never received proof of the alleged delinquency nor any supporting contract or payment records to validate this information. The reporting of a negative status on an account with a {$0.00} balance is contradictory and misleading. Under the FCRA, bureaus are required to ensure maximum possible accuracy, and failure to remove unverifiable information is a violation of federal law. I demand an immediate reinvestigation and removal of this account if lawful proof can not be provided. 

XXXX Account # : XXXX * * * * * * * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX This account reflects late payments that are not supported by any verifiable evidence or original creditor documentation. The balance listed as {$0.00} further highlights the inconsistency and inaccuracy in the reporting. The continued publication of unverified derogatory data is a violation of the Fair Credit Reporting Act, which requires accuracy and fairness in consumer reporting. This account is harming my ability to maintain fair credit standing and must be removed unless the creditor can provide complete and verifiable proof. 

XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was placed on my file without my consent or knowledge. I never applied for credit that would justify this entry. Under FCRA Section XXXX, a permissible purpose must exist for all inquiries, and none exists here. An unauthorized inquiry is not only unlawful but also creates unnecessary harm to my credit profile. I demand that this entry be immediately removed as it is both inaccurate and unverifiable. 

XXXX XXXX XXXX XX/XX/XXXX I never granted authorization for this inquiry, and it represents an unlawful pull of my credit information. Without documented proof that I consented to this review, the bureau can not legally maintain it on my file. Unauthorized inquiries contribute to score reduction and misrepresentation of my credit activity. As such, this entry must be deleted in full compliance with FCRA requirements. 

XXXX XXXX XX/XX/XXXX This inquiry is disputed as unauthorized and must be removed. I never submitted any request for credit that would permit XXXX XXXX to pull my credit report on this date. The FCRA prohibits the reporting of inquiries that do not have a legitimate purpose. Without original evidence showing my authorization, this inquiry is unlawful and must be deleted from my file. 

XXXX XX/XX/XXXX I dispute this hard inquiry as I never made any application that would authorize OneMain to access my credit report. This inquiry was placed without my consent and violates the requirement of permissible purpose under FCRA XXXX XXXX. Unauthorized inquiries directly harm my score and credibility with lenders. Since this entry can not be validated with proof of my authorization, it must be removed immediately. 

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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