Consumer complaint received 2025-09-04 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:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never resided at this address, nor have I authorized it to be associated with any account. Reporting it misrepresents my residential history and may impact credit decisions. I have reviewed my personal records and all correspondence, and there is no evidence connecting me to this property. The presence of this address creates confusion for lenders and financial institutions. FCRA Section 609 requires that only accurate and complete information be reported. Continuing to report this incorrect address is a violation of my rights and may result in misleading assumptions about my credit profile. I request that this item be deleted unless verified with proper documentation. 

XXXX XXXX  XXXX XXXX, CA XXXX This address is not linked to me in any way. Reporting it on my credit file is an error that could impact my ability to obtain loans or other financial services. I have thoroughly reviewed my housing history and confirm no activity or residence at this location. This inaccuracy could also cause issues with identity verification and may be interpreted incorrectly by potential lenders. The FCRA requires that only verifiable information be maintained. I request that this address be removed unless proper documentation is provided to substantiate its reporting. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00} Late Payment * * This account has been incorrectly reported as late, despite my consistent and documented payment history. I have reviewed statements, bank records, and payment confirmations, which show no delinquency at the reported dates. The inaccurate reporting of late payments misrepresents my financial behavior and unfairly impacts my creditworthiness. Under FCRA Section 611, it is required that the bureau reinvestigate disputed items with complete diligence. The accounts current reporting is misleading to lenders and may result in denial of credit, higher interest rates, or other financial harm. I request thorough verification and correction or deletion if the late payments can not be substantiated with documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$4100.00} Late Payment * * This entry appears to be a duplicate or erroneous reporting of the previous account. The late payments listed are inaccurate and not supported by my payment history. Maintaining duplicate or misreported accounts artificially inflates my negative credit data and violates FCRA standards. I have records that demonstrate timely payments, and the presence of these false entries is prejudicial to my financial standing. FCRA Section 609 and 611 obligate the bureau to ensure accuracy and completeness. I request a full reinvestigation and immediate correction or deletion if verification is not provided. 

Inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This is another unauthorized inquiry, possibly a duplicate of the previous item. I did not authorize this access, and it may cause lenders to draw inaccurate conclusions about my credit behavior. FCRA Section 604 protects consumers from such unauthorized access, and the reporting of this inquiry violates my rights. Its presence on my report is misleading and prejudicial to my creditworthiness. I request immediate deletion unless verified with my explicit authorization. 

XXXX XXXX XXXX XX/XX/XXXX I never provided consent for this inquiry. Reporting unauthorized inquiries violates FCRA requirements and may unfairly impact my credit score. There is no account, transaction, or communication justifying this pull. The continued reporting of this inquiry can cause financial institutions to misinterpret my credit activity. I request its removal and written confirmation that it has been deleted from my file. Any unverifiable inquiry is in direct violation of my rights and must be removed immediately. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is also unauthorized and was never approved by me. It may have been reported in error or without consent. FCRA Section 604 mandates that such inquiries must not be included without explicit permission. Its presence misrepresents my credit activity and can negatively influence lenders decisions. I request a full investigation into the validity of this inquiry, deletion if unauthorized, and confirmation that my credit file has been corrected.

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

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