Consumer complaint received 2025-08-05 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 is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
ADDRESS XXXX XXXX XXXX, CA XXXX Law : FCRA 1681e ( b ) Issue : This address is not mine and does not belong on my credit report Story : I have never lived at this address and its inclusion is causing the attachment of inaccurate accounts. This may be due to file mixing or identity confusion. Please remove it immediately ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$430000.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA 1681i, 1681s-2 Issue : Late payment reporting is inaccurate Story : I maintain timely payments, and this negative mark is harming my report. No verification has been provided. Please investigate and remove ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$3900.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i, FDCPA 809 Issue : Reporting unverifiable derogatory charge-off Story : This account is not mine. No signed contract or billing history has been presented. I request its deletion ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681b, 1681i Issue : Account is not verified and may be identity-related Story : I do not acknowledge ownership of this account and demand documented proof or its removal ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7100.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA 1681s-2 Issue : Inaccurate payment reporting Story : I was up to date on payments and did not receive late notices. This record is false and damaging ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA 1681i Issue : Reported delinquency is inaccurate Story : I made timely payments. No validation has been provided for this entry. Please delete ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA 1681e ( b ) Issue : Late payment being reported without proper support Story : This accounts derogatory reporting is unjustified and unverified. Please remove ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$210.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Charge-off is unverified Story : I request documentation of this debt or its removal ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$130.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Inaccurate charge-off reporting Story : I do not acknowledge this account and request deletion if unverifiable ACCOUNT XXXX XXXX XXXX XXXX XXXX  High Balance : {$110.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA XXXX Issue : Account lacks validation Story : Please remove if you can not provide proof from the original creditor ACCOUNT XXXX XXXX XXXX XXXX XXXX  High Balance : {$110.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA XXXX Issue : Derogatory reporting without consumer validation Story : I dispute this charge-off and demand its reinvestigation ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$190.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : No original documentation presented Story : This charge-off is being reported incorrectly and must be verified or deleted ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$100.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA 1681e ( b ) Issue : Late payment reported in error Story : I dispute this status and request reinvestigation ACCOUNT XXXX XXXX XXXX XXXX XXXX  High Balance : {$100.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA 1681i Issue : Inaccurate delinquency reporting Story : I request deletion if original verification can not be provided ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$130.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA 1681s-2 Issue : This reporting is misleading Story : I request full investigation and removal if unsupported ACCOUNT XXXX XXXX XXXX XXXX XXXX  High Balance : {$110.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA XXXX Issue : No consumer validation received Story : Please delete unless verified with original proof ACCOUNT XXXX XXXX XXXXXXXXXXXX XXXX XXXX High Balance : {$160.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA 1681e ( b ) Issue : This item appears incorrectly Story : I demand reinvestigation and deletion if unverifiable ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Charge-off is unverified Story : I deny responsibility and request full reinvestigation ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i, FDCPA 809 Issue : Charge-off without validation Story : I request deletion if you can not present complete and original documentation ACCOUNT XXXX XXXX XXXX XXXX XXXX  High Balance : {$150.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Debt unverified Story : Please remove immediately if you can not verify ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$160.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Account is not mine Story : I request reinvestigation and deletion ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$140.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Negative reporting without consumer validation Story : Delete unless verified with signed contract ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$160.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA XXXX Issue : No validation presented Story : I dispute this account and demand deletion ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Account reported in error Story : Please investigate and remove ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$160.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA XXXX Issue : This entry is not verifiable Story : I demand original proof or deletion ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$220.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA XXXX Issue : False reporting Story : I deny this account. Please remove if unverifiable ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$140.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Charge-off not validated Story : I request its removal ACCOUNT XXXX XXXX XXXX XXXX High Balance : {$150.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Unverified negative item Story : Please delete or send full documentation ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$160.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Entry lacks permissible purpose and validation Story : Must be deleted unless verified ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Incorrect derogatory status Story : I do not owe this account. Delete ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance : {$210.00} Date Opened : XX/XX/XXXX Status : Charge Off Law : FCRA 1681i Issue : Charge-off unverifiable Story : I dispute this debt. Please remove INQUIRIES XXXX XXXX XXXXXX/XX/XXXX XXXX : FCRA 1681b Issue : Inquiry made without consent Story : I never authorized this pull. Please remove XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX : FCRA 1681b Issue : Unauthorized hard pull Story : I did not apply for credit. Delete inquiry XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 1681b Issue : Unpermitted inquiry Story : No consent given. Remove it XXXX XXXXXX/XX/XXXX Law : FCRA 1681b Issue : Inquiry unauthorized Story : This was not initiated by me. Please delete I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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