Consumer complaint received 2025-09-03 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 CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

XXXX XXXXXXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This account is still being reported with late payments, but no valid documentation has been provided to prove the accuracy of such reporting. According to federal law, a furnisher of information must provide full proof, such as original signed agreements and payment histories, before negative data can be maintained. Without this, the continued presence of these late payments is not only inaccurate but also damaging to my creditworthiness. Since the reporting entity has failed to verify the accuracy through legally required evidence, the late payments must be deleted. 

XXXX XXXX High Balance : {$8000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This account contains late payment records that have not been properly validated. The law clearly requires that information reported must be complete and correct. A negative entry that can not be fully substantiated with the original account agreement and verified payment history should not remain on file. In the absence of proper validation, these late payments are misleading and harm my financial credibility. I must request that this inaccurate reporting be removed from my credit profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$61000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX The late payment entries associated with this account have not been verified with acceptable documentation. The law demands that any creditor reporting negative information must ensure that the data is verifiable and accurately tied to the consumer. If the reporting furnisher can not produce original payment records and agreements showing the accuracy of the alleged delinquency, then this account can not lawfully remain reported as it currently stands. Continued inaccurate reporting is a violation of consumer protection standards and must be corrected without delay. 

XXXX XXXX XX/XX/XXXX This inquiry remains on my profile despite my previous dispute. Unless the agency can provide solid proof that I personally authorized this credit check, it must be deemed invalid. Consumer protection law is clear : no inquiry may remain on a report without the consumers full consent. Unauthorized inquiries harm financial credibility and create unnecessary risk. Since no proof of consent has been provided, this item must be removed. 

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

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