Consumer complaint received 2025-09-06 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 Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items. 

Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX This address is completely inaccurate and not part of my past or current identity information. I have never resided in XXXX, MD, and there is no lawful basis to continue reporting it. Under FCRA 611 ( a ), once a consumer disputes inaccurate information, the bureau is obligated to reinvestigate and delete unverifiable data. By continuing to keep this wrong address on file, you are failing to comply with the law and placing me at risk of being connected to accounts or debts that are not mine. I demand that this address be deleted in full compliance with federal requirements. 

Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX This XXXX XXXX address is not part of my personal history and is being reported in error. Such false addresses create inaccuracies in my file and can lead to false matching with accounts that do not belong to me. The FCRA requires that all consumer information be accurate, complete, and verifiable, and this clearly does not meet that standard. By keeping this address after a first-round dispute, you are showing disregard for your legal duties under federal law. This address must be deleted immediately to restore the integrity and accuracy of my credit file. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} Chargeoff * * This account is being reported as a charge-off, but the accuracy of this reporting is highly questionable. A charge-off is a serious negative status that must be backed by complete and verifiable records. I have never received proper documentation proving that this account belongs to me or that the reported balance is accurate. Under FCRA 611 ( a ), when a consumer disputes an item, the credit bureau must reinvestigate and remove unverifiable information. Simply relying on data provided by the furnisher without full validation violates this standard. Reporting a balance of {$600.00} without proof of its accuracy or a signed agreement from me shows a failure to maintain maximum possible accuracy under 607 ( b ). This charge-off is unfairly damaging my credit profile and is not substantiated by proper records. Unless the creditor provides original, signed documents proving I am legally responsible for this account, it must be deleted immediately. Any continued reporting of this unverifiable debt will be treated as willful non-compliance. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$890.00} Chargeoff * * This account is reporting as a charge-off with a balance of {$890.00}, but I dispute its accuracy and validity. A charge-off requires legitimate documentation proving the account was lawfully created and that I am responsible for the debt. To date, no such evidence has been provided. FCRA 623 ( a ) requires furnishers to provide accurate and complete information, yet this account contains inconsistencies that make it unverifiable. The credit bureau can not continue reporting a serious negative item based solely on unverifiable information from the furnisher. By law, you must ensure that only correct and verifiable data remains on my report. The reporting of this account suggests negligence in maintaining compliance with FCRA 607 ( b ). This charge-off has not been proven, and its presence is unfairly lowering my score. If this account can not be validated with proper evidence, it must be permanently deleted from my file without delay. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Chargeoff XXXX XXXX XXXX XXXX XXXX account is inaccurately listed as a charge-off with a balance of {$880.00}. I dispute the entire reporting as unverifiable and incomplete. The furnisher has not provided valid proof of my liability, nor have I been given original signed agreements or proper records to substantiate this account. Under FCRA 611, once disputed, the bureau must fully reinvestigate and remove unverifiable items, yet this charge-off remains without supporting documentation. A balance and charge-off status this serious can not be based on incomplete or hearsay information. FCRA 607 ( b ) requires you to assure maximum accuracy, and this is clearly not happening. This account is damaging my creditworthiness, reducing my score, and creating a false credit history. Unless XXXXXXXX XXXX can provide original documentation signed by me proving responsibility for this account, you must delete this item immediately. Continuing to report this unproven charge-off will be considered a violation of federal law. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} Chargeoff * * This is one of the most serious accounts reporting against me, showing a charge-off with a balance of {$19000.00}. However, I strongly dispute its accuracy and validity. Such a large balance can not be reported without strict compliance to federal verification requirements. I have never received proper records proving the legitimacy of this account or confirming that I am legally responsible for this debt. Under FCRA 611 ( a ), you are obligated to reinvestigate and delete unverifiable information. Simply parroting information from the furnisher without demanding proof of its accuracy is not lawful reinvestigation. Additionally, FCRA 607 ( b ) requires you to maintain maximum possible accuracy, yet the ongoing presence of this disputed charge-off demonstrates negligence. Reporting this account continues to cause severe financial harm, preventing me from obtaining housing and credit opportunities. If XXXX XXXX XXXX can not provide original, signed documentation validating this debt, this account must be deleted immediately. Its continued reporting without validation will be considered willful non-compliance under the law. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This account reports a XXXX balance yet still shows a late payment history, which is inaccurate and misleading. It is logically inconsistent to report delinquency on an account that has no outstanding balance. Under FCRA 607 ( b ), information reported must be accurate and not misleading in any way. The presence of a late payment on a zero-balance account violates that principle of maximum accuracy. I have disputed this before, but the bureau has not corrected the inconsistency, proving that reinvestigation was not completed in good faith. FCRA 611 requires deletion of unverifiable or inaccurate items, and this reporting is both inaccurate and unverifiable. The late payment marking continues to harm my credit score even though the account does not reflect any real delinquency. If the creditor can not provide exact records showing a legitimate late payment linked directly to me, the bureau must delete the negative payment history immediately. This account is unfairly lowering my creditworthiness and must be corrected without delay. 

Inquiry : XXXX XXXXXX/XX/XXXX This inquiry was not initiated or approved by me and therefore has no permissible purpose under federal law. By reporting this unauthorized access to my file, the bureau is failing to uphold the accuracy requirements of FCRA 607 ( b ). A hard inquiry has a direct negative effect on my credit score, and continuing to report this item when it is disputed shows negligence in the reinvestigation process. I have the right to ensure only lawful inquiries remain, and this one does not qualify. If you can not provide evidence of my authorization, this inquiry must be deleted immediately. 

Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry is listed on my credit file without my approval or any record of a credit application from me. FCRA requires all inquiries to have a permissible purpose and to be supported by consumer consent, neither of which applies here. Leaving this item on my report damages my score and creates the false impression of excessive credit-seeking behavior. I previously disputed this, but no valid proof of authorization has been provided, meaning reinvestigation was not properly conducted. This inquiry is therefore unverifiable and inaccurate under federal law. It must be deleted from my file immediately to comply with the FCRA. 

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

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