Consumer complaint received 2025-07-16 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 submitting this formal complaint against the credit reporting agencies for failing to ensure accurate, complete, and verifiable reporting of my personal credit file. I have identified multiple inaccurate data entries, including a wrong address, incorrect late payment notations on accounts, and unauthorized or unverified hard inquiries, all of which violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly Sections 602 ( A ), 604, 605, 607 ( B ), and 611. I have tried to resolve these issues directly with the credit bureaus without success, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and compel the credit bureaus and furnishers to correct or delete the inaccurate data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Address Issue : Inaccurate Address Reporting Law : FCRA 1681e ( b ) - Reasonable Procedures to Ensure Maximum Possible Accuracy Story : I have never lived at or used this address for any financial activity. Including this incorrect address can lead to serious confusion and association with accounts that are not mine. Please remove this unverifiable address from my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  - Address Issue : Inaccurate Address Reporting Law : FCRA XXXX ( b ) Story : This address is not linked to any of my current or previous residence history. I dispute its inclusion and demand verification or immediate deletion as required by law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$5000.00} - Chargeoff * * Issue : Charged-off account reporting with unresolved inaccuracies Law : FCRA 1681s-2 ( a ) ; FCRA 1681i Story : This account is not mine or has been paid/resolved in a way that is not accurately reflected in the report. The continued reporting of a charge-off is misleading and damaging. Please reinvestigate and provide documentation or remove it entirely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} - Chargeoff * * Issue : Duplicate or conflicting entry Law : FCRA XXXX ( b ) Story : This appears to be a duplicate entry of another UNIFY FIN CU account already reported. Reporting the same account twice with different balances is misleading and incorrect. Please delete the duplicate or clarify and correct immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$76.00} - Chargeoff * * Issue : Self-reported utility account not verified Law : FCRA 1681i ( a ) ; FCRA 1681s-2 ( b ) Story : I dispute this listing as I do not recall owing or authorizing this charge. No documentation was ever provided to support this charge-off, and it is harming my report without proper basis. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} - Chargeoff * * Issue : Incorrect balance and source unknown Law : FCRA 1681e ( b ) ; FCRA 1681i Story : This self-reported charge-off does not match any of my accounts. It is likely the result of a reporting error or outdated debt. Please provide proof or delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$81.00} - Chargeoff * * Issue : Invalid or unverified utility report Law : FCRA XXXX Story : I have never received any communication from the utility associated with this account. It appears without context and damages my score unnecessarily. Demand immediate validation or removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2.00} - Chargeoff * * Issue : De minimis and unverifiable reporting XXXX : FCRA XXXX ( b ) Story : Reporting a {$2.00} charge-off is disproportionate and clearly unverified. Please confirm the legitimacy or remove it, as it does not serve a fair credit evaluation purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} - Late Payment * * Issue : Inaccurate late payment reporting after {$0.00} balance Law : FCRA XXXX ( a ) Story : How can a {$0.00} balance account reflect late payments? This reflects poor data accuracy and harms my credit report unjustly. Please remove the late payment record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Chargeoff * * Issue : Invalid charge-off with {$0.00} balance Law : FCRA 1681e ( b ) ; 15 U.S.C. 1666 Story : Charging off a {$0.00} balance is baseless and deceptive. This self-reported data lacks legal or factual merit. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Chargeoff * * Issue : Duplicate or invalid reporting Law : FCRA XXXX ( b ) Story : Another {$0.00} charge-off being reported without any basis. These inaccurate self-reports must be verified or eliminated. 
XXXX XXXX XX/XX/XXXX - Inquiry Issue : Unauthorized Hard Inquiry Law : FCRA 604 ( a ) ( 3 ) ; 15 U.S.C. 1681b Story : I did not authorize this inquiry and was not seeking new credit from this company. This constitutes an impermissible access to my credit file. Please remove immediately. 
XXXX XXXX XXXX XXXX  - Inquiry Issue : Unpermitted inquiry Law : FCRA XXXX ( a ) ( XXXX ) Story : I did not apply for credit with XXXXXXXX XXXX XXXX on this date. I request deletion of this inquiry unless proof of permissible purpose is provided. 
XXXX XX/XX/XXXX - Inquiry Issue : Hard inquiry without consent Law : FCRA XXXX ( c ) Story : This inquiry was conducted without my knowledge or authorization. I demand its removal under FCRA protections. 
I am requesting a full investigation by the CFPB into the inaccuracies listed above. I demand that the credit reporting agencies either provide verified documentation supporting these accounts, inquiries, and address as accurate or delete them completely from my credit file. If no proof is provided within the required time period as per FCRA Section 611 ( a ) ( 1 ) ( A ), I expect immediate deletion. These errors have caused me serious financial and emotional distress. I request that the CFPB hold the responsible data furnishers and credit bureaus accountable and ensure these violations are corrected without delay.

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