Consumer complaint received 2025-08-20 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 filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records.

Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA Section 609 ( a ) gives me the right to know the sources of information reported. FCRA Section 607 ( b ) requires credit bureaus to report only accurate information. 
Story : This address is not connected to me in any way. I have never lived at, worked at, or been associated with this property. Reporting this incorrect address creates identity confusion and increases the risk of fraud. Please remove this address from my file.

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Law : FCRA Section 611 requires bureaus to reinvestigate disputed information. 
Story : I dispute this address as I have never resided there nor used it for any personal or financial purpose. This is an error and it does not belong in my credit profile. Please delete this address to correct my records. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Late Payment Law : FCRA Section 602 ensures fair reporting and FCRA Section 607 ( b ) requires accuracy. 
Story : The late payment history reported on this account is not correct. I made timely payments and there is no supporting evidence to prove I was late. This misinformation is harming my creditworthiness. Please validate with original documentation or delete the late payment record.

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$10000.00} Late Payment Law : FCRA Section 609 ( a ) ( 1 ) allows me to request verification of reported data. 
Story : The account is reported with late payments, but my personal records do not reflect any delinquency. Unless the creditor can provide signed and dated proof, this reporting is unverifiable and must be corrected or deleted.

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$440.00} Chargeoff Law : FCRA Section 611 requires deletion of information that can not be verified. 
Story : I never received proper notice of this charge-off, and the reporting is incomplete and misleading. Without full documentation from the original creditor, this entry must be deleted from my file. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$220.00} Late Payment Law : FCRA Section 607 ( b ) requires furnishers and credit bureaus to maintain accurate reporting. 
Story : This account is listed with late payments that do not exist. My records prove consistent and timely payments. This inaccuracy damages my credit profile and should be removed.

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment Law : FCRA Section 611 ( a ) ( 1 ) ( A ) requires reinvestigation of disputed data. 
Story : Reporting a late payment on an account with a XXXX balance is inaccurate. This creates a false negative mark against me. Please investigate and delete the incorrect late payment. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment Law : FCRA Section 609 ( a ) allows me to request full details of reporting. 
Story : With a balance of XXXX, it is not logical or accurate to show late payments. This harms my credit and does not reflect reality. Please delete the inaccurate late history. 

AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law : FCRA Section 607 ( b ) requires all information to be fair and accurate. 
Story : This account is being reported with late payments despite being closed with a XXXX balance. This is misleading and unverifiable. Please correct or delete the entry. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late Payment Law : FCRA Section 611 provides me the right to dispute and reinvestigation. 
Story : Late payments are showing on this account when they do not exist. The reporting conflicts with my records and is harmful to my credit. Please validate or delete. 

Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 requires a permissible purpose for credit inquiries. 
Story : I did not authorize this inquiry and have no record of applying for credit with XXXX XXXX on this date. This is an unauthorized hard inquiry that violates my rights under FCRA. Please delete it immediately. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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