Consumer complaint received 2025-09-05 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 CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

Address Disputes : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX I have never lived at or used this address in any legal or financial capacity. Its continued presence on my credit report misrepresents my personal history. Reporting it inaccurately can mislead creditors and negatively affect my credit decisions. FCRA Section 609 ( a ) ( 1 ) grants me the right to verification of all reported addresses. Previous investigations have failed to provide substantiation for this address. I request a full reinvestigation and immediate deletion from my credit file. The continued reporting of this address violates FCRA Section 611 ( a ), as it demonstrates failure to maintain accurate reporting procedures. 

XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have never lived at, used, or authorized reporting of this address. Its continued listing is inaccurate and harmful. FCRA Section 611 ( a ) requires procedures to ensure accuracy, and furnishers must report only verified data. Documentation proves that I am not associated with this property. I demand correction or permanent removal of this address from my credit report to comply with FCRA requirements and protect my credit standing. Previous investigations did not resolve this inaccuracy, and continued reporting is a violation of my consumer rights. 

Account Disputes : XXXXXXXX XXXX XXXX XXXX  High Balance : {$15000.00} Opened : XX/XX/XXXXXXXX  Chargeoff This account is inaccurately reported as charged off. I have documentation including statements, payment history, and correspondence showing that my account was in good standing or properly managed. The reported charge-off does not reflect my true payment history or the account status. FCRA Section 623 ( a ) ( 8 ) requires furnishers to provide only accurate information. The repeated failure to correct this error despite prior disputes demonstrates a lack of reasonable procedures under FCRA Section 611 ( a ). Reporting this inaccuracy harms my credit profile, misleads creditors, and negatively impacts lending decisions. I demand full deletion until the information can be properly verified and substantiated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance Owed : {$2500.00} Chargeoff This account is reported as charged off, which is incorrect. Documentation including account statements and payment confirmations show that the account balance and status were reported inaccurately. FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) provide my right to dispute unverified and inaccurate information. Reinvestigations to date have failed to correct this inaccuracy, causing harm to my creditworthiness and potential financial opportunities. Reporting an unverifiable charge-off violates my rights and misrepresents my payment history. I demand deletion of this entry until proper verification can be provided by the furnisher, ensuring full compliance with FCRA requirements. 

Inquiries : XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. No application, consent, or business relationship exists to justify this hard inquiry. Reporting it violates FCRA Section 604 ( a ), which requires express consent for credit checks. The continued presence of this unauthorized inquiry is inaccurate and negatively impacts my credit profile, lending opportunities, and financial standing. I request permanent deletion. The furnisher must provide evidence of authorization ; failure to do so requires removal. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me and is being reported inaccurately. FCRA Section 604 ( a ) mandates that hard inquiries must be authorized by the consumer. The ongoing reporting of this inquiry is harmful and misrepresents my credit activity. Previous disputes did not remove this entry. I demand a full reinvestigation and permanent deletion unless the furnisher can provide proof of my explicit consent. Continued reporting violates my FCRA rights. 

XXXXXXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. FCRA Section 604 ( a ) requires prior consumer consent for all hard credit inquiries. Reporting this inquiry without authorization is both inaccurate and misleading to potential creditors. Its continued presence negatively impacts my creditworthiness and violates my consumer rights. I request immediate removal and written confirmation of deletion. Furnisher must verify authorization ; failure to substantiate requires permanent deletion. 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

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