Consumer complaint received 2025-07-19 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:
This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile. These errors are severely affecting my ability to obtain housing, credit, employment, and financial stability. I have made numerous attempts to have these items corrected, but the credit bureaus have failed to perform a reasonable investigation as required under federal law. I am now requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and enforce my rights under the law. I am disputing multiple addresses, accounts with charge-offs, late payments, collections, and unauthorized inquiries. Below is a detailed breakdown of each issue, the applicable law, and supporting information. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX Issue : This address is incorrect and does not belong to me.

Law Violation : Reporting an inaccurate address violates FCRA 1681e ( b ), which requires credit bureaus to maintain accurate information.

Instruction : Please reinvestigate and delete this address immediately as it does not pertain to my personal or residential history. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : I have never lived at this address, and it is being wrongly reported under my credit file.

Law Violation : FCRA 1681e ( b ) failure to ensure maximum possible accuracy.

Instruction : Kindly remove this address from my file as it is clearly erroneous and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$940.00} Chargeoff * * Issue : This charge-off is being reported inaccurately. The balance and status are unverifiable.

Law Violation : FCRA 1681i ( a ) right to dispute inaccurate information and demand reinvestigation. FCRA 1681s-2 ( b ) furnishers must report accurate information.

Instruction : Please conduct a reinvestigation, and if the creditor can not verify this account with complete documentation, remove it from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : This late payment entry is erroneous for a paid/closed account. No payment was due at the time.

Law Violation : FCRA 1681e ( b ), 1681i.

Instruction : Please remove the late payment status as this account had a {$0.00} balance and should not reflect negative history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Duplicate and inaccurate negative reporting on the same account.

Law Violation : FCRA 1681i duplicate derogatory info can cause double damage and is misleading.

Instruction : Remove the redundant entry or the duplicate late payment mark from this account. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Chargeoff * * Issue : I dispute this charge-off as the balance and account details are unverifiable and I was never properly notified.

Law Violation : FCRA 1681b, 1681i information must be verifiable and accurate.

Instruction : Please investigate with the original creditor and remove this account if no supporting documentation is produced. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Chargeoff * * Issue : This is inaccurate and may be a duplicate Affirm entry. The details are unclear and unverifiable.

Law Violation : FCRA 1681e ( b ), 1681i.

Instruction : Please remove this record unless it can be verified with clear documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late Payment * * Issue : Late payment information is incorrect. I never received a valid notice of missed payments.

Law Violation : FCRA 1681i any disputed information must be proven with records.

Instruction : Reinvestigate this account. If the creditor can not validate this late payment, delete it from my file. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Chargeoff * * Issue : This account appears to be inaccurately charged-off without sufficient verification.

Law Violation : FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishers must ensure accuracy. 
Instruction : Remove this listing unless XXXX provides full documentation showing charge-off validity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : This negative mark is reported on an old, closed account. Its misleading and unfair. 
Law Violation : FCRA 1681c obsolete information should not be reported past 7 years.

Instruction : Please remove this account from my credit report as it exceeds the statute of limitations for negative reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Duplicate entry for same account with different dates. False and deceptive reporting. 
Law Violation : FCRA 1681e ( b ), 1681s-2.

Instruction : Investigate and delete this duplicate listing. 
XXXX XXXX XXXX XXXX on XX/XX/XXXX Issue : Duplicate or redundant inquiry without approval. 
Law Violation : FCRA 1681b unauthorized access.

Instruction : Reinvestigate and remove this entry if no signed application or proof of consent is provided. 
XXXX XXXX, XXXX XXXX Inquiry on XX/XX/XXXX Issue : I did not apply for credit through XXXX XXXX XXXX XXXX. 
Law Violation : FCRA 1681b inquiry without a valid application is illegal.

Instruction : Immediately remove this inquiry as it was unauthorized and potentially fraudulent.

I request the Consumer Financial Protection Bureau to enforce the removal of the disputed addresses, the incorrect and unverifiable account entries, and all unauthorized hard inquiries listed above. The bureaus and data furnishers have failed to provide documentation verifying the accuracy or legitimacy of these entries and have not corrected these items after prior disputes. This ongoing negligence is violating my consumer rights, damaging my credit score, and affecting my livelihood. I respectfully ask for immediate correction and full compliance with the FCRA, FDCPA, and all related statutes.

Company response to consumer: Closed with explanation