Consumer complaint received 2025-10-28 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 because my credit report contains multiple inaccuracies that have not been properly investigated or corrected as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my prior disputes, the credit bureaus and furnishers have failed to conduct a lawful reinvestigation or provide verifiable evidence to support the reported data. These inaccuracies have caused significant financial and reputational harm, including credit denials and emotional XXXX. The following items are being disputed and need immediate investigation and correction in compliance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

Address : XXXX XXXX XXXX, XXXX, CA XXXX This address is inaccurate and has never been associated with me for any financial or credit-related activity. Reporting a wrong address violates FCRA 607 ( B ), which mandates accuracy and completeness. This wrong address contributes to identity confusion and misreporting, which must be corrected immediately. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Chargeoff XXXX XXXX  This account remains unverified despite prior disputes. Under FCRA 611 ( a ), the bureau must delete unverifiable data. XXXX has failed to provide original signed agreements or transaction records proving ownership. The reporting of a charge-off without proof violates FCRA 602A and 607 ( B ). Continued reporting without verification is misleading and damaging. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Chargeoff XXXX XXXX This is a duplicate and unverifiable account, violating FCRA XXXX ( B ). The bureau has failed to prove its accuracy or legitimacy. Without documentation linking this debt to me, continued reporting is unlawful under FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$790.00} Chargeoff XXXX  XXXX  This outdated account exceeds the seven-year reporting period under FCRA 605 ( a ) ( 5 ). Continuing to report a stale charge-off is an illegal act of noncompliance. This must be deleted as it does not meet the time limitation and has not been verified with documentation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Chargeoff XXXX XXXX  The data reported by XXXX  contains inconsistencies regarding balance, status, and date opened. Under FCRA 607 ( B ), the credit bureau is required to maintain accuracy, yet this information conflicts with prior responses. Inaccurate and unverifiable information must be removed immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Chargeoff XXXX XXXX This account was never authorized by me. Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to request proof of account ownership, yet no such documentation was provided. Reporting unverified and unauthorized accounts violates FCRA 602A and constitutes negligent noncompliance under FCRA 616. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} Collection XXXX XXXX This collection is inaccurate, duplicated, and unverifiable. It is unclear who the original creditor is, and no validation was provided. Continuing to report this debt violates FCRA 602A and 611 ( a ) ( 5 ) ( A ), which mandate the deletion of unverifiable data. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these inquiries was made without my written consent or any legitimate business purpose. Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required before accessing a consumers report. These companies failed to comply with the law, constituting unauthorized access and invasion of privacy. All such inquiries must be deleted immediately as they are unlawful and damaging to my credit score.

I am requesting the CFPB to investigate these violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and any other applicable consumer protection laws. I demand that the inaccurate address, unverifiable account, and unauthorized inquiries be removed from my credit report. The involved furnishers and credit bureaus have repeatedly failed to uphold their duties to ensure accurate and verifiable reporting. I expect a full investigation, written response, and confirmation of correction within the legal time frame.

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