Consumer complaint received 2025-09-13 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 submitting this complaint to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address does not and has never belonged to me, nor is it connected to any valid financial relationship in my name. Under FCRA 607 ( b ), you must follow reasonable procedures to assure maximum possible accuracy of my credit file. Reporting an address that has no connection to me increases the risk of a mixed file and identity theft. I have provided proof of my correct address in earlier disputes and your failure to delete this incorrect address violates your duty under FCRA 611 ( a ). You must remove this address completely to prevent future confusion, misreporting, and potential harm to my creditworthiness. Any continued reporting of this address after XXXX disputes can be considered willful noncompliance under FCRA 616. 

ACCOUNTS : XXXX XXXX XXXXXXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that I dispute as inaccurate and unverified. Under FCRA 611 ( a ), you must reinvestigate disputed information within 30 days and provide written results. No documentation proving the accuracy of these late payments has been provided. Continuing to report unverifiable derogatory information harms my credit standing and violates FCRA 607 ( b ) which requires maximum possible accuracy. If the furnisher can not provide proper records showing the exact dates and amounts of missed payments, this data must be deleted per FCRA 611 ( a ) ( 5 ). I demand a complete reinvestigation and deletion of all unverifiable late payment history immediately. 

XXXX XXXX XXXXXXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Late Payment I am disputing the accuracy of the reported late payments. Despite previous disputes, you have continued to report the same data without providing documentation from the original creditor. Under FCRA 609 ( a ) ( 1 ), I have the right to know the source of the information being reported, and you have failed to supply this proof. FCRA 611 ( a ) ( 5 ) ( A ) clearly requires deletion of any item that can not be verified after a reinvestigation. The failure to correct this account is causing unjustified damage to my credit rating and preventing fair access to credit opportunities. Please remove or correct these late payments immediately. 

XXXX XXXX XXXXXXXX XXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX Late Payment The late payments reported under this account are inaccurate and unverified. FCRA 602 ( a ) states that credit reporting should be fair and equitable to the consumer. By continuing to report without proper verification, you are violating your duty of care. Under FCRA 611 ( a ) ( 1 ), you must conduct a reasonable reinvestigation and delete any information that can not be confirmed as accurate. Please provide me with documentation from the furnisher proving the exact payment history. If you can not produce such evidence, delete these late payments from my file immediately. 

XXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment This account is still being reported with late payments that I dispute as inaccurate. Under FCRA 609 ( a ), I have the right to know who furnished this information and to receive proof of its accuracy. You have failed to provide that in response to my previous disputes. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable data must be deleted. Continuing to report this without documentation is negligent and may be considered willful noncompliance under FCRA 616. I demand deletion or immediate correction of these derogatory marks. 

XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Late Payment This accounts derogatory late payment information appears outdated and unverifiable. Under FCRA 605 ( a ) ( 5 ), outdated adverse information must not be reported. You are required to maintain accuracy and fairness in reporting under FCRA 607 ( b ). Because you have failed to provide proof of the accuracy of these reported late payments, they must be removed to prevent further harm to my credit profile. Please perform a reinvestigation and provide me a corrected report as required by law. 

XXXX XXXX XXXXXXXX XXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment This tradeline continues to report late payments that I have disputed several times. Under FCRA 611 ( a ) ( 5 ) ( B ), if information is found to be inaccurate or can not be verified, the credit bureau must promptly delete or modify it. You have not provided any written documentation or contract showing I was late on these dates. Therefore, I demand complete removal of these late payments from my report. 

XXXX XXXX XXXXXXXX XXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX Late Payment This account is new yet already shows late payments that can not be substantiated. Under FCRA 607 ( b ), you must assure maximum possible accuracy, and reporting late payments without proper validation is a direct violation. Please provide detailed payment records or delete this information under FCRA 611 ( a ) ( 5 ). 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payments being reported for this account. No documentation proving their validity has been supplied despite XXXX previous disputes. FCRA 611 ( a ) requires a reinvestigation, and FCRA 611 ( a ) ( 5 ) mandates deletion of unverifiable data. Continued reporting would be a negligent violation under FCRA 617. 

XXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment This accounts late payment data is harming my credit and preventing fair access to financial opportunities. Under FCRA 602 ( a ), credit reporting must be fair and equitable. Without verifiable evidence from the furnisher, this accounts negative history must be deleted. I demand full reinvestigation and written results. 

XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment This account shows late payments that are not mine. You have a duty under FCRA 611 ( a ) ( 1 ) to reinvestigate and under 609 ( a ) to disclose the source of the information. If you can not provide proper verification, you must delete this data under FCRA 611 ( a ) ( 5 ).

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

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