Consumer complaint received 2025-07-11 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:
To Whom It May Concern, I am formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX LAW ISSUE : FCRA 609 ( a ) ( 1 ) requires credit bureaus to provide a consumer with all information in their file upon request STORY : I have no connection with this address. It is being reported inaccurately and violates my rights under FCRA. Kindly delete this address from my file. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Type : Chargeoff LAW ISSUE : FCRA 611 and 609 require validation of the reporting STORY : This account was closed with a XXXX  balance and should not be marked as a charge-off. This misreporting damages my credit score and violates federal law. Please delete or correct. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Type : Chargeoff LAW ISSUE : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate data STORY : This account was mishandled during a financial hardship period. I attempted to make arrangements, but the charge-off was applied without proper notice. Please verify all records or delete. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance Owed : {$14.00} Type : Collection LAW ISSUE : FCRA 607 ( b ) ensures maximum possible accuracy STORY : This appears to be a small bill reported unfairly as a collection. I was never properly informed of any balance. This item must be validated or deleted. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : Multiple Dates Balances Owed : {$3500.00} to {$7200.00} Type : Late Payment LAW ISSUE : FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy in furnishing data STORY : My student loans were in forbearance or deferment status at various times. Reporting them as late is false and violates federal loan reporting standards. Please investigate and correct. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Type : Chargeoff LAW ISSUE : FDCPA 807 ( 8 ) prohibits false representations STORY : I was never contacted about this alleged debt, and no validation was provided. Reporting a charge-off without due process is deceptive and violates my rights. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Type : Chargeoff LAW ISSUE : FCRA 611 and FDCPA 809 ( b ) require proper verification STORY : This entry appears to be duplicated and unvalidated. I was not given an opportunity to dispute or settle this debt before charge-off. Please remove. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Type : Collection LAW ISSUE : FCRA 611 ( a ) requires prompt reinvestigation STORY : I was unaware of any outstanding balance from XXXX  This collection was reported without notice or verification. Please delete if not fully verifiable. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$190.00} Type : Collection LAW ISSUE : FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) apply STORY : This debt was never acknowledged, and I have received no prior statements. I request validation under the law or removal from my credit file. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570.00} Type : Collection LAW ISSUE : FDCPA 809 requires debt validation upon request STORY : This utility bill was inaccurately reported without notice. I had closed my account with a XXXX balance. Please verify and delete if unsubstantiated. 

INQUIRY : XXXX XX/XX/XXXX LAW ISSUE : FCRA 604 ( a ) ( 3 ) limits access to consumer reports STORY : I did not authorize this inquiry. I did not apply for any credit with XXXX. This hard inquiry should be removed immediately. 

INQUIRY : XXXX XXXX XXXX XXXX  LAW ISSUE : FCRA 604 ( a ) limits inquiries to permissible purpose STORY : These are three identical inquiries from XXXX XXXX on the same day. I did not authorize any of them. They are harming my score and must be deleted. 

INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAW ISSUE : FCRA 604 ( a ) ( 1 ) ( A ) STORY : I did not authorize a credit pull from these lenders. These unauthorized inquiries were likely related to a car dealership sharing my information without consent. Please remove. 

INQUIRY : XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XX/XX/XXXX LAW ISSUE : FCRA 604 ( a ) - no permissible purpose STORY : I have no business or open applications with these institutions. They conducted credit checks without my knowledge or approval. These inquiries must be investigated and removed.

Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

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