Consumer complaint received 2025-09-13 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:
b'I am filing this complaint because my credit report contains multiple wrong addresses and inaccurate account information that violates the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These errors are harming my credit profile and creating an unfair and misleading picture of my creditworthinessXXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nThis address is being reported under my name but I have never lived here and never used this location for any financial or personal purposes Reporting this as my residence is completely inaccurate and creates a false identity history which can result in denials for credit housing and employment opportunities This also increases the risk of identity theft and fraud The Fair Credit Reporting Act (FCRA) Section 607(b) requires the credit bureaus to ensure maximum possible accuracy and Section 611 requires reinvestigation when an error is disputed I am requesting immediate deletion of this wrong address as it is misleading and harmful to my credit profile\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is reporting late payments which are not accurate I was not properly notified of these alleged late payments and have never been provided with validation or original documentation to prove them These negative marks are unfairly damaging my credit score and reputation Under FCRA Section 609(a)(1) I have the right to receive all records tied to this account including payment history and contracts Under FCRA Section 623 furnishers are not allowed to report information they know or should know is inaccurate The late payment reporting is unverifiable and unlawful This has already caused me to be denied for an auto loan and is harming my ability to secure fair credit terms I demand deletion of these latesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis collection account is being reported without any validation I have never received proof of this debt or a signed contract proving that I owe this balance Under the Fair Debt Collection Practices Act (FDCPA) Section 809(a) debt collectors are required to provide validation of a debt within 30 days of notice This has not been done and therefore this debt is unverified Reporting unverified debt also violates FCRA Section 611 which requires deletion of unverifiable information This false collection is hurting my creditworthiness over a small amount that was never proven to belong to me It must be removed immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis collection is inaccurate and has never been validated to me I have not been shown any proof of ownership of this debt or an original signed contract Without proper validation this is a false report and violates FDCPA Section 807 which prohibits misrepresentation of debt Under FCRA Section 623(a)(3) furnishers are required to correct or delete information that is disputed and unverifiable By continuing to report this unverifiable account they are acting in violation of federal law This is damaging my credit score unfairly and must be deleted\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is reported as a charge-off but I have never been given any documentation validating this claim No original agreement or full payment history has been provided Under FCRA Section 609(a)(1) I am entitled to all records associated with this account Failure to provide proof of the debt and charge-off status makes this information unverifiable and under FCRA Section 611(a)(5)(A) unverifiable information must be deleted The continued reporting of this charge-off is unlawful and is causing me harm including higher interest rates and credit denials This account must be deleted immediately\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is reporting a charge-off status that has never been validated I have not been provided with proof of debt assignment or lawful accounting records Under FCRA Section 623 furnishers are prohibited from reporting inaccurate information and under FDCPA Section 807 reporting unverified debt is a form of misrepresentation This false reporting is unlawful and has already caused harm to my credit reputation and financial opportunities I demand this account be deleted from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis is a duplicate charge-off reporting by the same creditor which makes it misleading and inaccurate Reporting the same type of negative item multiple times for the same creditor is an unfair practice that exaggerates damage to my credit profile This violates FCRA Section 607(b) which requires maximum possible accuracy and FCRA Section 616 which provides for liability for willful noncompliance I have suffered multiple credit denials due to this duplication and I demand that this charge-off be deleted immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is showing late payments that are disputed I was not properly notified of these alleged lates and no verifiable records have been provided Under FCRA Section 609(a)(1) I am entitled to see payment history and validation from the furnisher Without proper verification the lates are inaccurate and must be deleted Reporting lates without proof is a violation of FCRA Section 623(a)(1)(B) which prohibits the reporting of information known to be inaccurate These negative marks are unfairly lowering my credit score and have harmed me by increasing loan costs I request immediate removal of these latesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis charge-off is inaccurate and unverifiable I have not been provided with an original signed contract or proof of ownership of this debt Under FDCPA Section 809(a) debt must be validated upon request and under FCRA Section 611 unverifiable information must be deleted This false reporting has caused serious harm to my creditworthiness including denials for personal loans Furnishers cannot continue to report information that has not been validated I demand this account be deleted immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is reported as a charge-off but no legal validation or documentation has been provided to prove the accuracy of this status Under FCRA Section 609(a)(1) I have the right to all documentation and under FCRA Section 611(a)(5)(A) unverifiable information must be removed This reporting is harmful to my credit profile and is preventing me from accessing fair credit terms This is a violation of both FCRA and FDCPA as the debt is being reported without proof of accuracy I demand this charge-off be deleted immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis collection account is inaccurate and unverifiable I have never received a validation notice or any proof of this alleged debt as required by the Fair Debt Collection Practices Act (FDCPA) Section 809(a) Without validation the reporting of this debt is unlawful and constitutes misrepresentation under FDCPA Section 807 The credit bureaus are also in violation of FCRA Section 611 because unverifiable information cannot legally remain on a consumers report This false collection is unfairly lowering my credit score and harming my ability to access affordable credit It must be deleted immediately\nSummary:\nThe wrong addresses and inaccurate accounts are clear violations of FCRA and FDCPA. They are harming me financially and misleading future creditors. I am requesting immediate deletion of all wrong addresses and removal of the inaccurate/unverified accounts listed above.'

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