Consumer complaint received 2025-11-24 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 because inaccurate and unverified information is being reported on my credit file in violation of FCRA 602, 603, 607 ( b ), 611 ( a ), and 623 ( a ). I have requested proper verification, yet the furnishers and bureaus continue reporting false late payments and an unauthorized inquiry, causing harm and financial damage. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX This address does not belong to me and its continued reporting shows a failure to match and verify my correct identifying information as required under FCRA 607 and 611 because you are keeping data that can not be tied to me and can not be properly verified. This address must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is not my address and it has no connection to my identity or records. Continuing to report an address that does not belong to me violates FCRA 602, 607, and 611 because you must ensure completeness, fairness, and maximum accuracy before reporting any consumer information. Remove this address immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$510.00} Late Payment XXXX XXXX The late payment history reported is completely inaccurate because I have never made a late payment and reporting a false delinquency without proper verification violates FCRA 609, 611, and 623 since furnishers must only report accurate information and maintain documentation to validate any late mark. This late payment must be corrected to show on-time history. 

XXXX XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance : {$590.00} Late Payment XXXX XXXX This late payment reporting is false and unverifiable because I have never paid this account late and the furnisher can not prove otherwise. Under FCRA 611 and 623 you must ensure accuracy and remove or correct information that can not be fully verified. Correct the late payment history immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX This account has been wrongly marked late even though I have never made a late payment at any time. Reporting an inaccurate late payment violates FCRA requirements for accuracy, verification, and proper recordkeeping under sections 607, 609, 611, and 623. Correct this history immediately. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX This alleged late payment is not accurate and can not be verified because I have always maintained timely payments. Under FCRA 611 and 623 you are not allowed to report a late payment without proper documentation, and this entry must be corrected to show an accurate history. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Late Payment XXXX XXXX This late payment record is completely wrong because I have never been late and the furnisher can not provide any proof of delinquency. Reporting unverifiable information violates FCRA 609, 611, and 623 because accuracy and proper verification are required before reporting negative data. Correct this mistake immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX  The late payment reporting is false and has never been verified with any acceptable documentation. Under FCRA 602, 611, and 623 you are responsible for ensuring the maximum possible accuracy and deleting or correcting any unverifiable information. Correct this accounts history immediately. 

XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Late Payment XXXX XXXX This late payment is inaccurate because I have never made any late payment on this account and the furnisher is unable to provide proper evidence that supports any delinquency. Reporting unverified negative information violates FCRA 609, 611, and 623 and this must be corrected immediately. 

XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Late Payment XXXX XXXX The late payment marking is wrong, unverifiable, and not based on any accurate records. Continuing to report a false late payment violates FCRA obligations under sections 607, 611, and 623 because you must ensure accuracy at all times and you can not report information that lacks proper verification. Correct this history immediately. 

I request immediate CFPB intervention because these items violate federal law and continue to cause damage through inaccurate and unverified reporting.

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