Consumer complaint received 2025-07-21 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law Issue : Violates FCRA 1681e ( b ) and 1681i due to lack of accuracy and failure to verify reported information Story : I have never lived at this address and it is not connected to me in any way. The presence of this false address in my credit file has led to misidentification and has raised fraud alerts during underwriting for a mobile home application. I was recently denied a financing pre-approval due to address inconsistencies which flagged my file. This is causing undue emotional and financial stress. I request deletion and a full reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Law Issue : Violates FCRA 1681e ( b ) for reporting inaccurate personal identifying information and 1681i for failing to remove after dispute Story : This is not my address and has no association with any past or present residence. The continued reporting of this incorrect location caused a delay in the processing of a loan application for my auto refinance. Lenders questioned the legitimacy of my identity and required additional verification, which resulted in unnecessary scrutiny and loss of time. I ask for immediate deletion and reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : Violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) for inaccurate furnishing of data and 1681e ( b ) for not assuring data accuracy ; 1681i requires reinvestigation Story : This account shows a charge-off status with a {$0.00} balance, which is inaccurate and misleading. If the account was paid or settled, it should be reflected accordingly. Reporting a charge-off with no balance misrepresents the status of the account and unfairly penalizes my credit standing. This has negatively impacted my recent mortgage pre-qualification process. I am demanding immediate correction or removal and a detailed reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Chargeoff * * Law Issue : Violates FCRA 1681s-2 for inaccurate reporting by the furnisher and 1681i requiring CRAs to investigate disputed entries Story : I dispute this charge-off account on the grounds that it does not reflect the most accurate and verifiable status. XXXX XXXX has not provided full validation of the account, nor have I received complete details outlining the debt and how the charge-off was determined. This entry has significantly lowered my credit score, resulting in high auto insurance premiums and a declined personal loan application. I request full reinvestigation and deletion if verification can not be substantiated.

I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA
809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

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