Consumer complaint received 2025-07-21 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: NV

Complaint narrative:
I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ADDRESS LAW ISSUE : Under FCRA Section 602A and 611, inaccurate personal identification such as false addresses must be removed if unverifiable STORY : I have never lived, worked, or received any communication at this address and it does not belong on my file, it could lead to association with incorrect or fraudulent data, I request immediate removal XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX ADDRESS LAW ISSUE : FCRA 611 requires every consumer report to contain only accurate and verifiable personal identification STORY : I have no connection to this address and its appearance on my credit report misrepresents my identity, I demand this address be deleted from all records XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$11.00} LATE PAYMENT * * LAW ISSUE : FCRA Section 607 ( b ) mandates furnishers to report data with maximum possible accuracy STORY : This late payment entry is inaccurate as I maintained on-time payments, no documentation has been provided to support this {$11.00} derogatory mark, I request removal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE OWED : {$8.00} CHARGEOFF * * LAW ISSUE : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing unverifiable or inaccurate data to credit bureaus STORY : This charge-off is vague and lacks full account details or contractual proof, I dispute the validity and demand its deletion if not fully verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE OWED : {$0.00} LATE PAYMENT * * LAW ISSUE : Under FCRA Section 607 ( b ), furnishers must report information accurately and avoid misleading credit entries STORY : This account shows a {$0.00} balance meaning it was paid or closed, a late payment on a paid account is unjustified and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE OWED : {$13.00} CHARGEOFF * * LAW ISSUE : FCRA Section 611 ensures consumers can dispute unverifiable or vague credit entries STORY : This self-reported telecom charge-off lacks clear origin or creditor name, no supporting records have been disclosed, this item should be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE OWED : {$110.00} CHARGEOFF * * LAW ISSUE : Under FCRA Section 609, credit entries must be supported by original documentation if disputed STORY : This charge-off does not include creditor identification or verified billing records, I dispute its accuracy and request permanent deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE OWED : {$8.00} CHARGEOFF * * LAW ISSUE : Incomplete or unverifiable data violates FCRA Section 623 ( a ) ( 5 ) which requires data completeness STORY : This account shows no verified source, history, or creditor, and should not be included in my report without verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE OWED : {$17.00} CHARGEOFF * * LAW ISSUE : FCRA 602A mandates that credit reports remain fair and equitable to the consumer STORY : This charge-off lacks origin, dates, and any proof of consumer obligation, I request immediate deletion of this unverifiable entry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE OWED : {$93.00} CHARGEOFF * * LAW ISSUE : FCRA Section 609 requires clear evidence from furnishers of self-reported utility accounts STORY : I am unaware of this utility debt and have not received any communication or bills for it, it must be removed unless validated by documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE OWED : {$0.00} CHARGEOFF * * LAW ISSUE : An account showing a {$0.00} balance marked as charged-off violates the logic of charge-off status under FCRA Section 607 ( b ) STORY : This insurance entry shows no balance and therefore should not be listed as charged-off, I dispute the accuracy and demand deletion XXXX XXXX XXXX XXXX XXXX XXXX  LAW ISSUE : Unauthorized inquiries violate FCRA Section 604 ( a ) ( 3 ) and must be removed when disputed STORY : I never granted consent for this inquiry, I request an investigation and removal as it was not initiated by me I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

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