Consumer complaint received 2025-09-25 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 with the CFPB because my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Billing Act ( FCBA ) are being violated by the credit bureaus and data furnishers. Despite numerous disputes and direct communications, inaccurate and harmful information continues to remain on my consumer report. These inaccuracies are causing me severe harm, emotional distress, financial denial, and are preventing me from receiving fair credit opportunities. The law is clear that the information reported must be accurate, verifiable, and compliant with federal regulations. What is currently being reported is not consistent with these laws, and I am requesting CFPB intervention for a full reinvestigation and immediate correction or deletion of these items. 

XXXX XXXX XXXX XXXX, CA XXXX Address This address is being reported on my credit file, yet it does not belong to me, nor have I ever resided at this location. Continuing to associate me with this wrong address creates a misleading and false consumer profile, which is prohibited under FCRA 607 ( b ), requiring credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. By attaching this address to my report, the bureau is in violation of this requirement. The law obligates that only correct and verifiable identifying information be reported. The false address creates unnecessary risk of mixed files, identity confusion, and inaccurate association with accounts that do not belong to me. My rights under FCRA 611 ( a ) ( 1 ) ( A ) guarantee me the ability to dispute and request deletion of unverifiable information. Since no valid proof can link me to this address, its continued reporting represents negligence under FCRA 607 and a direct violation of my consumer rights. This error must be corrected and permanently deleted without further delay, as keeping such wrong personal data on my file is unlawful and harmful. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/2020 Balance Owed : {$2100.00} * * This account is being reported as a charge off with an outstanding balance, but the information is inaccurate, incomplete, and unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report data they know or should know to be inaccurate. XXXX XXXX  has failed to provide documented evidence that this account is valid, belongs to me, and is being reported with 100 % accuracy. The balance being reported is questionable and not supported by verified records, violating FCRA 609, which grants me the right to request the method of verification used. To this date, no sufficient validation has been provided. Under FDCPA 807, debt collectors and furnishers are prohibited from using any false representation regarding the character, amount, or legal status of a debt. Reporting this account as a charge off without complete verification misrepresents my consumer profile and is damaging my credit standing. A proper reinvestigation under FCRA 611 has not been done, as the same inaccurate information continues to reappear even after multiple disputes. This constitutes willful and negligent noncompliance, subject to damages under FCRA 616 and 617. I demand that this account be deleted immediately as it can not be verified with documented proof of accuracy, ownership, and legitimacy. 

I respectfully request the CFPB to hold the credit bureaus and XXXX XXXX accountable for these violations, compel them to provide proper verification of all accounts and addresses, or remove them completely from my consumer report.

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