Consumer complaint received 2025-10-03 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 Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccurate and unverifiable entries on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request full reinvestigation, correction, or deletion of the listed items. 

Address XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is not my current or previous residence. Reporting a wrong address violates FCRA Section 623 ( a ) ( 1 ) ( A ) because the data furnishers are required to provide accurate information. I have never resided at this location, nor have I ever applied for any account or service tied to it. Its inclusion on my credit report misrepresents my residency history. This false address could cause misdirected correspondence, mistaken identity issues, and potential fraudulent activity. No utility bills, leases, or financial records link me to this property. Previous disputes regarding this address have been ignored. Its continued presence indicates noncompliance with FCRA mandates. The reporting of this address is damaging my credit profile and misleading potential lenders. I request immediate removal of this address. 

XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX This address does not belong to me and is reported in error. Its inclusion violates FCRA Sections 602 ( a ) and 623 ( a ) ( 1 ) ( A ) because it compromises the accuracy of my consumer file. I have never resided at this property, nor have I ever applied for accounts tied to it. Reporting this address could lead to mistaken identity, fraud, or misdirected correspondence. No utility bills, leases, or other proof link me to this location. Prior reinvestigation requests were ignored. The continued reporting of this address indicates failure to comply with FCRA Sections 607 ( b ) and 611 ( a ). This incorrect address misleads creditors and lenders about my true residency. I demand deletion to protect my rights and credit integrity. 

Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account incorrectly reflects late payments. I have maintained timely payments and dispute these entries under FCRA Section 623 ( a ) ( 8 ). All billing statements and records demonstrate my timely payments. Reporting inaccurate late payments misrepresents my credit behavior and violates FCRA Sections 607 ( b ) and 611 ( a ). Previous reinvestigation requests were ignored. This false reporting could negatively impact my credit score and future lending opportunities. It is critical that all data associated with this account be verified. Any unverifiable entries must be deleted immediately. Continued false reporting shows noncompliance by the data furnisher. I demand deletion of all incorrect late payment entries. These errors mislead potential lenders and create financial harm. I expect written confirmation of the correction or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Reported late payments are inaccurate. I never missed payments and dispute this under FCRA Sections 607 ( b ) and 611 ( a ). Statements and account history confirm timely payments. This false reporting has caused financial harm, including misrepresentation to lenders and potential credit denials. Prior disputes were ignored, indicating failure to comply with FCRA mandates. Continued reporting of unverifiable late payments is a violation of my consumer rights. I demand correction or deletion until verified. These inaccurate entries affect my credit score and financial opportunities. Reporting false late payments is damaging and unacceptable. All information must be verified. I expect immediate removal of any entries that can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$550.00} Charge-off status is reported incorrectly. I dispute the legitimacy of this charge-off and request verification under FCRA Section 611 ( a ). I never received notice of default or charge-off. Reporting this status without verification is a violation of my rights and misrepresents my financial record. This false entry negatively impacts my credit score and ability to access financial products. Prior dispute attempts were ignored, violating FCRA mandates. All data must be validated before reporting. I demand deletion of the charge-off until verified. Failure to correct this misrepresentation is harmful and unacceptable. Reporting unverified charge-offs is a direct violation. I request written confirmation of deletion or correction. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Late payments reported are false. I have always paid timely, and these entries violate FCRA Sections 607 ( b ) and 611 ( a ) because they are inaccurate and unverified. Account statements confirm timely payments. These false reports harm my creditworthiness and misrepresent my financial responsibility. Prior disputes have been ignored. The data furnisher must verify all entries before reporting. Any unverifiable entries must be deleted. These false late payments create unfair barriers to future lending. I demand immediate correction or deletion. Misreporting late payments is a violation of my rights under FCRA. I expect written proof of reinvestigation results. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Reported late payments are inaccurate. Under FCRA Section 611 ( a ), I request reinvestigation as I never defaulted. Statements show timely payments. False reporting negatively impacts my credit score. Prior dispute attempts were ignored, violating FCRA. Unverified entries must be deleted. Reporting these late payments without verification is misleading and harmful. I demand deletion of all inaccurate entries. Continued false reporting is unacceptable. I expect immediate correction. I request written confirmation of the reinvestigation results. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$800.00} This collection entry is disputed. I have no knowledge of this debt, and its reporting violates FCRA Sections 607 ( b ) and 611 ( a ). No documentation links me to this account. Reporting this collection harms my credit score and credibility. Prior reinvestigation requests were ignored. Unverified collections must be removed. Reporting without validation is a direct FCRA violation. I demand deletion until verification is provided. Failure to correct this entry is unacceptable. I expect written confirmation of deletion or correction. Continued reporting is unlawful. 

Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry is unauthorized ; I did not provide consent for any credit pull. Reporting an unauthorized inquiry violates FCRA Section 604 ( a ) ( 3 ). No account application or agreement exists that would authorize this inquiry. Its presence on my report negatively impacts my credit evaluation. Prior disputes regarding this inquiry were ignored. Unauthorized inquiries misrepresent my credit activity to potential lenders. Continued reporting of this inquiry constitutes a violation. I demand immediate removal. The bureau must ensure all inquiries are authorized before reporting. Written confirmation of deletion is required. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry, and it was conducted without my consent. Reporting this inquiry violates FCRA Section 604 ( a ) ( 3 ). No application or contract links me to this inquiry. Unauthorized inquiries harm my credit profile and may result in higher interest rates. Previous reinvestigation attempts were ignored. This inquiry must be deleted. Continued reporting without verification is illegal. The bureau must confirm authorization for all inquiries. I demand removal and expect written proof. 

XXXX XXXX, XXXX XXXX XX/XX/XXXX Unauthorized hard inquiry ; I did not consent to this pull. Reporting this inquiry violates FCRA Section 604 ( a ) ( 3 ). No financial account or agreement authorizes this credit check. Its presence misrepresents my credit activity and affects my creditworthiness. Previous disputes were ignored. Unauthorized inquiries can cause financial harm. Immediate deletion is required. Continued reporting violates FCRA. I request written confirmation of removal. 

I certify that all the above information is true to the best of my knowledge. Each account and inquiry listed is inaccurate, unverified, and in violation of federal consumer protection laws. I demand that the CFPB direct the reporting entities to fully investigate, correct, or delete all inaccurate entries and unauthorized inquiries. I reserve the right to take further legal action if these violations are not resolved promptly and in full compliance with the FCRA and FDCPA.

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