Consumer complaint received 2025-07-29 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 ( CFPB ) because multiple inaccurate and unverifiable addresses, accounts, and inquiries are being reported on my credit profile by the credit bureaus. These errors are seriously harming my creditworthiness and preventing me from obtaining basic financial services. I have previously disputed these items with the credit reporting agencies, but they have failed to properly investigate or correct the inaccurate data. I am requesting CFPBs intervention to ensure a proper reinvestigation, verification, and deletion of these items if the data furnishers can not prove their accuracy with original source documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law Issue : FCRA 602 A, 607 ( b ), 611 ( a ) No permissible purpose, unverifiable, outdated or never lived at Story : This address is being falsely reported under my credit profile. I have never resided at this address nor have I authorized any creditor to report it in connection with my identity. Its continued presence violates my rights under the FCRA as this data can not be verified through proper sources.

Instruction : Delete this address from my credit profile immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law Issue : FCRA 6

02 A, 607 ( b ), 611 ( a ) Inaccurate reporting, unverifiable, misleading data Story : This address does not belong to me. It appears due to a mistaken association or data merge. It is harming my credit file and misrepresents my identity. Instruction : Remove this address immediately as it is not connected to me in any lawful manner. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Chargeoff * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), FDCPA 807 ( 8 ) Charge-off is inaccurate and unverified Story : This account has been charged off incorrectly. The balance is incorrect, the reporting lacks validation, and I have not received proper notice or opportunity to validate the debt.

Instruction : Delete this charge-off entry immediately or provide complete verification documents. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Chargeoff * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), FDCPA 809 ( b ) Debt not validated, incorrect status Story : This charge-off is inaccurate. I requested debt validation which was never honored. The account reporting lacks transparency and violates due process under FCRA and FDCPA.

Instruction : Delete this item unless verified with original contract and payment breakdown. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00} Chargeoff * * Law Issue : FCRA 623 ( a ), FDCPA 807 Inaccurate status and misleading information Story : I was not notified of this charge-off nor given a chance to cure or dispute it. This is inaccurate and damaging.

Instruction : Remove or fully verify with original application, terms, and validation of debt. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00} Chargeoff * * Law Issue : FCRA 607 ( b ), 611 ( a ), 623 ( b ) Unverifiable, not an actual creditor Story : This is a self-reported telecom item without any verifiable lender data or creditor contract. Such reporting should not exist if not backed by lawful documentation.

Instruction : Delete immediately due to lack of creditor identity and proper documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$27.00} Chargeoff * * Law Issue : FCRA 607 ( b ), 611 ( a ), 623 ( b ) Invalid data source and unverifiable entity Story : No permission was granted to report this item and no formal account relationship ever existed.

Instruction : Delete this account due to unverified origin and unidentifiable creditor. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), FDCPA 807 Balance is XXXX, yet listed as charge-off Story : This account shows a {$0.00} balance yet is reported as charged off, which is misleading and damaging.

Instruction : Remove this account immediately or correct the tradeline to reflect a closed account in good standing. 

XXXX XXXX XXXX Reference # XXXX Bankruptcy Law Issue : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) Unverifiable public record Story : This bankruptcy record lacks validation and may have been reported by a third-party vendor rather than verified directly from court. Courts do not report to credit bureaus.

Instruction : Delete this bankruptcy unless you can prove direct sourcing from the court itself. 

XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ), 611 ( a ) Inaccurate and unauthorized access Story : This inquiry occurred without my consent or any recent credit request.

Instruction : Delete this inquiry for failure to obtain consent. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ), 611 ( a ) Inquiry lacks purpose or authorization Story : I did not request credit or authorize this inquiry on the given date. This constitutes a violation of privacy.

Instruction : Remove this unauthorized inquiry.

These errors are having a significant negative impact on my ability to access credit, secure housing, and live free of the consequences of inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) protect consumers like me from this kind of harm. I have exhausted efforts with the credit reporting agencies, and now I request that the CFPB intervene to ensure compliance with federal law. I demand full reinvestigation and either verified validation or permanent deletion of each item listed above. I ask CFPB to hold the credit bureaus and furnishers accountable for noncompliance with federal law.

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