Consumer complaint received 2025-09-11 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:
I am filing this complaint with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not mine, I have never lived there, received mail there, or conducted any financial business at that location. Including this address on my file creates confusion and links me to accounts and activities that do not belong to me. Under FCRA 607 ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information in my file. Reporting an address with which I have no connection is not accurate or fair and puts me at risk for mixed file issues. This wrong address could result in fraudulent accounts being matched to my credit profile and could create future identity theft risks. It also violates the spirit of FCRA 602 ( A ) which was enacted to protect consumers from unfair credit reporting. I am demanding immediate deletion of this address and expect written confirmation that it has been removed permanently. Please make sure it is not reinserted without full notice under FCRA 611 ( a ) ( 5 ) ( B ). 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I have no ties to this address and have never lived, worked, or received mail at this location. Continuing to report this address is misleading and creates a false impression of my residence history. It may also cause creditors to match me with accounts that are not mine, which is a direct violation of FCRAs accuracy requirement under section 607 ( b ). It is your legal obligation to ensure that only correct, verified addresses appear on my file. Keeping a wrong address harms my ability to prove accurate identity history and causes additional stress when seeking credit approval. I am requesting permanent removal of this incorrect address and compliance with FCRA reinvestigation requirements within the 30-day period. If this address can not be verified with supporting documentation directly from the furnisher, it must be deleted immediately. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} XXXX XXXX I dispute the accuracy of this charge-off account in its entirety. The balance is incorrect, the dates of delinquency are not accurately reported, and the status appears to be outdated or unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reason to know is inaccurate. This account must be verified with proper documentation including original signed contract, full payment history, and proof that the balance is correct. Re-reporting disputed information without correction or proper reinvestigation would violate FCRA 623 ( b ). If this account can not be verified with original documentation from the furnisher, you are required under FCRA 611 to delete it completely from my credit file. The continued inaccurate reporting is causing measurable harm to my credit profile and my ability to obtain fair credit. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} XXXX XXXX This account is still showing as a charge-off but the reporting is not accurate and appears to contain errors regarding balance and payment history. I have reason to believe the information provided by the furnisher is outdated or incomplete, which makes it unreliable. Under FCRA 611, you must conduct a full reinvestigation and verify the account with complete records. If you can not obtain original documentation including proof of default and correct balance calculation, you must remove this account from my file. Re-inserting or continuing to report previously disputed inaccurate data without a full reinvestigation violates FCRA 623 ( b ) and may expose your agency to liability for willful noncompliance under FCRA 616 and 617. This inaccurate reporting is directly lowering my credit score and affecting my ability to secure credit. 

XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is incorrectly showing late payment history despite having a XXXX balance and being closed. Reporting late payments on a paid or closed account is misleading and creates a false impression of delinquency. Under FCRA 607 ( b ), you must ensure completeness and accuracy of the information. Incomplete or outdated negative marks that no longer reflect the true payment status must be removed. Failure to update this item to show correct history or delete it is considered a violation of your duty to assure maximum possible accuracy. This error is damaging my creditworthiness and must be corrected immediately. 

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7100.00} XXXX XXXX I dispute this charge-off account because the reported balance, date of first delinquency, and status are not accurately reflected. The furnisher must provide original signed contract, payment history, and proof of the charged-off amount or you must delete the account entirely. Reporting unverifiable or outdated negative data violates FCRA 623 and 611. The harm caused by inaccurate charge-off reporting is significant, including higher insurance rates and lost credit opportunities. If you can not verify the account with proper documentation, you must delete it permanently and provide me with a reinvestigation report confirming the action taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$730.00} XXXX XXXX This account is being reported with an inaccurate balance and status indicating a charge-off. I have reason to believe this information is either outdated or incorrect, and I demand full verification. Under FCRA 623 ( b ), the furnisher must conduct a reasonable investigation and correct any inaccurate data. Continuing to report incorrect charge-off information is damaging my credit profile and must be corrected or removed if not verifiable. I expect this account to be validated with complete documentation or permanently deleted within the 30-day reinvestigation period. 

INQUIRY XXXX XXXX XX/XX/XXXX This inquiry was also made without my knowledge or consent and does not qualify as a permissible purpose inquiry under FCRA 604. I have not applied for any credit or initiated any transaction with XXXX XXXX on or near this date, therefore this inquiry is unauthorized. Hard inquiries directly impact my credit score and staying on my report creates unfair harm by making me appear as a higher-risk consumer. Under FCRA 611, you must reinvestigate this inquiry and confirm whether there was written authorization or a credit application. If you can not produce proof of permissible purpose, you are legally obligated to delete this inquiry. Continued reporting of unauthorized inquiries after notice from a consumer can constitute negligent or willful noncompliance under FCRA 616 and 617, exposing your agency to liability.

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

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