Consumer complaint received 2025-07-28 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:
To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate and harmful information being reported on my credit file. My rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, have been violated due to the inclusion of incorrect addresses, erroneous account reporting, and unauthorized/inaccurate inquiries. This is not only causing financial hardship but also impacting my emotional well-being and peace of mind. I have included all details below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX WRONG ADDRESS Issue : I have never lived at or been associated with this address Law : FCRA 1681e ( b ) requires maximum possible accuracy in credit files Story : This address appears on my credit report in error, possibly due to a file mix-up. I have no lease, utility, employment, or mail history at this location. The presence of this address could falsely link me to debts and accounts that are not mine. I demand its immediate and permanent deletion. 
XXXX XXXX Acct : XXXX * OPENED : XX/XX/XXXX HIGH BALANCE : {$510.00} LATE PAYMENT * * Issue : Reported late despite active auto-pay Law : FCRA 1681s-2 Furnishers must report accurate info Story : I was enrolled in automatic payments. The account should reflect timely payments. The late remark caused a drop in my credit score, making loan approvals more difficult. I request validation or immediate removal. 
XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$830.00} CHARGEOFF * * Issue : Charged off without prior notice or debt validation Law : FDCPA 809 ( a ), FCRA 1681b Story : I did not receive any warning before this account was charged off. I never received a chance to dispute or resolve the amount. The reporting is unlawful if not validated. Please investigate and delete. 
XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$4300.00} LATE PAYMENT * * Issue : Late payment reported during medical hardship Law : FCRA 1681i Right to dispute and reinvestigation Story : During this period I was hospitalized and unable to make timely payments. I notified the creditor, yet they failed to accommodate or reflect this. This inaccurate record must be removed. 
XXXX Acct : XXXX * OPENED : XX/XX/XXXX HIGH BALANCE : {$3100.00} LATE PAYMENT * * Issue : Late report during a deferment agreement Law : CARES Act + FCRA 1681s-2 ( a ) ( 1 ) ( A ) Story : I was granted a deferment due to COVID-19 unemployment. Despite this, I was reported late, which is a breach of the agreed terms. I request deletion of the derogatory mark. 
XXXX XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$660.00} LATE PAYMENT * * Issue : Marked late without consideration of payment plan Law : FCRA 1681e ( b ) Story : I was under financial hardship and arranged a payment plan. Regardless, I was reported late, harming my credit. Please update or remove. 
XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$2500.00} LATE PAYMENT * * Issue : Inaccurate late mark shortly after account was opened Law : FCRA 1681c Story : No bills, reminders, or payment requests were received. This may be an error or fraud. I request validation or deletion. 
XXXX XXXX XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$32000.00} LATE PAYMENT * * Issue : Late reporting during agreed payment deferral Law : CARES Act + FCRA 1681s-2 Story : A deferral was agreed upon, but I was still marked late. This caused loan denials and insurance rate increases. Please correct or delete. 
XXXX XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$37000.00} CHARGEOFF * * Issue : Charge-off without communication or resolution attempt Law : FDCPA 809 ( b ), FCRA 1681b Story : I attempted to resolve the account before it went into charge-off. I was never informed or given a chance to cure the default. Please remove or validate this negative entry. 
XXXX Acct : XXXX * OPENED : XX/XX/XXXX HIGH BALANCE : {$1600.00} CHARGEOFF * * Issue : Charge-off not validated or explained Law : FDCPA 809 ( a ), FCRA 1681e ( b ) Story : This debt was never properly communicated to me, and I suspect identity theft or account confusion. Please investigate and delete. 
XXXX XXXX Acct : XXXX * OPENED : XX/XX/XXXX HIGH BALANCE : {$4000.00} CHARGEOFF * * Issue : Account settled, but shows charge-off with balance Law : FCRA 1681i Story : I paid a settlement on this account. The reporting of a charge-off with remaining balance is false and misleading. Please update or delete this account. 
XXXX XXXX XXXX Acct : XXXX OPENED : XX/XX/XXXX HIGH BALANCE : {$580.00} COLLECTION * Issue : Never notified or validated Law : FDCPA 809 Story : I was never contacted by this collector. This is unverified and unlawful to report. Please remove. 
XXXX XXXX XXXX Acct : XXXX * OPENED : XX/XX/XXXX HIGH BALANCE : {$3400.00} COLLECTION * * Issue : Duplicate, unvalidated collection Law : FCRA 1681e ( b ), FDCPA 809 Story : This account appears to be a duplicate of another already on my report. I was not notified or offered validation. Please delete this entry. 
UNAUTHORIZED HARD INQUIRIES Issue : I did not authorize the following hard inquiries Law : FCRA 604 Inquiries must have permissible purpose Story : These inquiries damaged my credit and were made without my consent. I demand each be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these entries must be removed unless the furnisher can provide written evidence that I authorized the inquiry.

These errors collectively demonstrate a systemic failure in maintaining, verifying, and reporting accurate credit information, which violates multiple sections of both the FCRA and FDCPA. I respectfully request immediate reinvestigation of all disputed items, removal of inaccurate data, and a written response acknowledging receipt and actions taken per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to respond within the 30-day window mandated under federal law will result in further actions, including escalation to the FTC and seeking relief through legal representation.

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