Consumer complaint received 2025-07-07 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:
Consumer Financial Protection Bureau ( CFPB ) I am filing this complaint against Experian for failing to ensure the accuracy, completeness, and verifiability of information on my consumer credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. I have repeatedly found inaccurate addresses and account information being reported under my name, which is causing me substantial harm. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This address is not associated with me in any way, yet it is being reported on my Experian credit file. 
Law : Under FCRA 609 ( c ) and 611, I have the right to dispute incorrect data, and Experian must delete any unverifiable information.

Story : This address has nothing to do with me and appears to be a case of mixed file or identity confusion. It is affecting my credit applications and making it difficult for me to validate my identity. I have asked Experian to delete this, but they failed to act appropriately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : I have no connection with this address whatsoever. 
Law : FCRA 602 ( A ) guarantees fair and accurate reporting, and 611 mandates proper reinvestigation.

Story : Including a false address on my credit file constitutes gross negligence by Experian. I never lived here, yet it is being linked to me. I am being unfairly profiled, and this is impacting my financial opportunities. My repeated attempts to have it removed have been ignored or mishandled. 
XXXX XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Chargeoff Issue : This account is incorrectly reporting as a charge-off. I have not received any validation of this debt from the furnisher or Experian. 
Law : FCRA 609 ( a ) ( 1 ) and 611 ( a ) require Experian to verify any disputed item and remove it if unverifiable.

Story : This charge-off is inaccurate and has severely damaged my credit profile. I have never been given any documents proving the debt belongs to me. Reporting a charge-off without adequate documentation is a violation of my rights. Experian has failed to investigate this dispute in good faith. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Late Payment Issue : The late payment reporting is false. I have documents showing my payments were made on time.

Law : FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report data accurately, and 611 mandates that credit bureaus investigate disputed data.

Story : This late payment report is entirely inaccurate. I was never late, and I have sent supporting evidence to Experian. Despite this, they have failed to remove or correct the error, showing complete disregard for FCRA regulations and for the consumer 's financial integrity. 
Experian has failed to fulfill its obligations under the FCRA by continuing to report inaccurate addresses and account data, failing to properly investigate my disputes, and ignoring my rights as a consumer. These errors are harming my credit score, limiting my access to financial services, and creating emotional and financial distress. I am requesting that the CFPB take enforcement action and compel Experian to immediately correct or delete the inaccurate information, provide documentation of any verification it relied upon, and ensure future compliance with the law.

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