Consumer complaint received 2025-07-18 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This complaint is being filed due to the continuous inaccurate, outdated, and unverifiable information being reported on my credit profile.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 XXXX XXXX XXXX XXXX XXXX Law Issue : Under FCRA Section 602A and Section 609 ( c ) ( 2 ), every consumer has the right to accurate address reporting and protection against the inclusion of obsolete or incorrect personal identifying information Story : I have never lived at this address, and it is being inaccurately associated with my credit file This misreporting may be the result of identity confusion or data entry error and should be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law Issue : In compliance with FCRA Section 610 ( b ), consumer reporting agencies must maintain reasonable procedures to assure maximum possible accuracy Story : This address is not mine Including this on my credit file is an error I have no known connection to this property and request its deletion from my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Charge-Off Law Issue : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information known to be inaccurate, and Section 611 ( a ) grants the right to dispute such data and have it verified or deleted Story : This account is reported as a charge-off even though it reflects a {$0.00} balance, indicating either closure or satisfaction of debt This inconsistency suggests the derogatory status may no longer be valid or verifiable and should therefore be deleted from my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Late Payment Law Issue : As per FCRA Section 605 ( a ) ( 5 ), negative account history like late payments must be accurate and not misleading, especially when the account is paid off Story : This account shows a {$0.00} balance but continues to reflect negative payment history Since the debt is settled, this entry unfairly harms my creditworthiness and violates the accuracy requirement of the law I request immediate removal of the late payment notation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$150.00} Collection Law Issue : Under FDCPA 807 ( 8 ) and FCRA 611 ( a ), any collection must be validated and accurately reported Story : I do not recognize this collection account, and I was never properly notified or validated under Section 809 of the FDCPA As I dispute the validity of this debt, I am requesting deletion of this unverified collection item UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA Section 604 ( c ) and 615 ( a ) prohibit inquiries without a legitimate business reason or a firm offer of credit Story : I have no dealings or inquiries with this institution on this date The inquiry was made without my consent and must be deleted XXXX XXXX XXXX XXXX XXXX XXXX Law Issue : FCRA Section 604 ( a ) requires all credit inquiries to be based on a consumer-initiated action or a legitimate credit relationship Story : I did not apply for credit or authorize this inquiry with XXXX XXXX XXXX This is an unauthorized access to my credit profile and should be removed 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 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