Consumer complaint received 2025-10-03 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report that have caused me severe financial harm, stress, and confusion. I demand a thorough investigation, correction, and deletion of all inaccurate and unauthorized entries as outlined below. I have carefully reviewed my credit report and dispute the following items for the reasons specified. 

Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX This address does not belong to me, has never been my residence, and its inclusion violates 15 U.S.C. 1681e ( b ) because the bureau is reporting information it can not verify. I have never authorized any account or correspondence tied to this location. I demand deletion. The presence of this incorrect address creates confusion for creditors, potentially misidentifying me as responsible for obligations that are not mine. My personal identifying information should only reflect verified locations associated with my legal residence. This inaccurate address also misleads potential lenders and violates my right to accurate reporting under FCRA 611 ( a ) ( 1 ). The continued reporting of this address is a demonstrable failure of reinvestigation protocols. Reporting an address I have never used may misattribute debts and inquiries that are unrelated to me, creating ongoing harm. My rights under FCRA include the right to prompt correction of inaccurate information. Please delete this address immediately and confirm compliance in writing. This continued error is materially affecting my credit profile, as verified credit scoring models rely on address histories. I request the bureau provide proof of any documentation linking this address to my identity. Failure to verify this information mandates removal under FCRA 611 ( a ) ( 5 ). I require confirmation that all reporting agencies referencing this address will be notified of the correction. The inaccurate address could be linked to unauthorized accounts or fraudulent activity not connected to me. Its presence on my credit report is an ongoing violation of my consumer rights and needs immediate correction. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX This is another address that is falsely associated with my file. I have never lived at this location, and reporting it constitutes a violation of 15 U.S.C. 1681i, which requires reinvestigation of disputed information. Including an address that is not mine misleads lenders and harms my ability to obtain credit accurately. I demand its deletion. The failure to remove this address in prior rounds demonstrates noncompliance with proper reinvestigation standards. Incorrect addresses can be linked to fraudulent activity, late payments, or collections that do not belong to me. Misreporting addresses is a direct violation of my consumer rights and contributes to misleading credit risk assessments. I insist that all accounts tied to this address be reviewed and any non-verifiable items removed. Reporting false addresses not only violates the FCRA but may also indicate negligent data handling by furnishers. Deletion is required under the bureau 's duty to ensure maximum possible accuracy. The ongoing inclusion of this address could negatively influence lenders ' decisions and inflate risk perceptions. Failing to delete it continues to impact my credit score. Please provide verification if any documentation links this address to me ; otherwise, delete it immediately. The FCRA requires that items that can not be verified must be removed. Prompt correction is necessary to prevent further financial harm. 

Account XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance {$0.00} Late Payment * This account has been inaccurately reported as late. I have never received any notification, statement, or documentation supporting a late payment. Under 15 U.S.C. 1681i ( a ), the bureau must conduct a reinvestigation and remove unverifiable or inaccurate information. Reporting a late payment when none exists damages my credit and misleads potential lenders. The reporting of this account in a delinquent status demonstrates negligence or failure to obtain verified information from the original creditor. I request that the bureau contact the furnishers and provide proof of any late payment, including signed statements or billing history. Any unverifiable information must be deleted immediately. I have consistently maintained my payment obligations, and this account misreporting violates my rights under the FCRA. The failure to correct prior disputes shows noncompliance with proper procedures. This inaccuracy has caused material harm to my creditworthiness. Accurate reporting is required, and I insist on verification. In the absence of verifiable proof, deletion is mandated. Failure to address this late payment could lead to further harm in lending decisions. I demand a written confirmation of correction once resolved. This account is misleading and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, XXXX {$58.00} Charge-off * * This accounts charge-off status is inaccurate. I have never agreed to any terms that justify a charge-off. FCRA 611 requires the bureau to remove unverifiable information. Reporting this charge-off without evidence is a violation of federal law. I demand verification from the original creditor, including payment history and documentation supporting the charge-off. If unverifiable, deletion is mandatory. Previous disputes did not result in proper reinvestigation. The continued reporting damages my credit and misleads lenders. I require written confirmation once this account is corrected or deleted. Failure to remove unverified information is noncompliance with FCRA 1681i. This accounts presence harms my creditworthiness and financial reputation. I insist on prompt action and removal if verification can not be provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance {$19000.00} Late Payment * * I dispute the reported late payment on this account. I have no records indicating any delinquency. Under FCRA 611, unverifiable information must be removed. Prior reinvestigations were inadequate. I request the bureau obtain complete supporting documentation from the creditor. Any unverifiable late payments must be deleted immediately. Reporting inaccurate late payments harms my creditworthiness and violates my rights. I demand thorough reinvestigation and written confirmation of correction or deletion. Continued reporting of unverified late payments is a direct violation of FCRA 1681i ( a ) ( 1 ). I require all inaccurate information removed promptly. Misreporting creates financial harm and misrepresentation. I insist on proper verification or deletion. This item must be corrected to maintain compliance with federal law. I request confirmation once resolved. 

XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX, Balance {$170.00} Charge-off This accounts charge-off is incorrect. I have not received verification supporting this claim. Per FCRA 611, unverifiable information must be removed. I request documentation supporting the charge-off including account statements, correspondence, and payment history. Reporting a false charge-off violates federal law. Prior reinvestigations failed to correct the record. I demand removal if verification can not be provided. Continued inaccurate reporting harms my credit and violates FCRA 1681i ( a ). I require written confirmation once this item is corrected or deleted. This account misrepresentation damages my creditworthiness. Deletion is required if unverifiable. Prompt action is necessary to ensure compliance with federal law. I insist the bureau obtain full verification or remove the account. 

Inquiry XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX This inquiry was not authorized by me. FCRA 604 ( a ) governs the need for consent before any credit check. Reporting it without consent is illegal and harms my credit profile. Prior disputes failed to remove it, demonstrating inadequate reinvestigation. I demand verification from the creditor. If none exists, deletion is required immediately. Unauthorized inquiries misrepresent my credit activity and financial reputation. Written confirmation of deletion is required. Continued reporting violates 1681i ( a ). Removal is necessary to protect my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX did not authorize this credit inquiry. Under FCRA 604 ( a ), any credit pull requires explicit consent. The reporting of this inquiry falsely suggests I approved it. Unauthorized inquiries reduce my credit score and mislead lenders. Prior reinvestigations did not correct this error. I demand verification from the creditor. If verification can not be produced, deletion is required. The continued reporting violates 1681i ( a ). Written confirmation of deletion is required. Each unauthorized inquiry negatively impacts my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never provided authorization for this inquiry. FCRA 604 ( a ) mandates consent for all credit pulls. Reporting this inquiry without authorization is illegal and materially harms my credit score. Prior disputes failed to correct it. I demand verification from the furnisher. If no authorization exists, deletion is mandatory. Continued reporting violates 1681i ( a ). Written confirmation of removal is required. Unauthorized inquiries misrepresent my financial activity. Immediate deletion is necessary to protect my rights. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I did not consent to this credit inquiry. FCRA 604 ( a ) requires my authorization. Reporting it without consent is illegal and negatively impacts my credit profile. Previous disputes were not fully reinvestigated. I demand verification from the creditor. If unverifiable, deletion is required immediately. Continued reporting violates 1681i ( a ). Written confirmation of removal is required. Unauthorized inquiries misrepresent my creditworthiness. Deletion is necessary to comply with FCRA. 

XXXX XXXX XXXX XX/XX/XXXX XXXX never authorized this inquiry. FCRA 604 ( a ) requires explicit consent. Reporting it without authorization violates federal law. Unauthorized inquiries harm my credit score and mislead lenders. Prior disputes did not result in deletion. I request verification from the creditor. If no proof exists, deletion is required immediately. Continued reporting violates 1681i ( a ). Written confirmation of removal is required. Removal is necessary to protect my consumer rights. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. FCRA 604 ( a ) governs all credit pulls. Reporting it without consent is illegal and damages my creditworthiness. Prior disputes did not correct this error. I demand verification from the creditor. If unverifiable, deletion is required. Unauthorized inquiries misrepresent my financial history. Written confirmation of deletion is required. Continued reporting violates 1681i ( a ). Immediate action is necessary to protect my rights. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I never provided authorization for this inquiry. FCRA 604 ( a ) requires consent for all credit checks. Reporting it without my consent violates federal law. Unauthorized inquiries harm my credit score and mislead lenders. Previous disputes failed to resolve it. I demand verification from the furnisher. If no proof exists, deletion is required immediately. Continued reporting violates 1681i ( a ). Written confirmation of deletion is required. Removal is necessary to ensure compliance with FCRA. 

XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Under FCRA 604 ( a ), explicit consent is required. Reporting it without consent violates federal law. Unauthorized inquiries negatively affect my credit profile. Prior disputes were ineffective. I demand verification from the creditor. If unverifiable, deletion is mandatory. Continued reporting violates 1681i ( a ). Written confirmation of removal is required. Deletion is necessary to protect my rights and creditworthiness. 

XXXX XXXX XXXXXX/XX/XXXX I never authorized this inquiry. FCRA 604 ( a ) requires explicit consent. Reporting it without authorization violates the law. Unauthorized inquiries harm my credit score. Previous disputes were not properly reinvestigated. I demand verification from the creditor. If unverifiable, deletion is required immediately. Continued reporting violates 1681i ( a ). Written confirmation of removal is required. Removal is necessary to comply with federal law. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. FCRA 604 ( a ) requires my consent. Reporting it without authorization violates federal law. Unauthorized inquiries negatively impact my credit profile. Prior disputes were ineffective. I demand verification from the creditor. If unverifiable, deletion is mandatory. Continued reporting violates 1681i ( a ). Written confirmation of deletion is required. Removal is necessary to protect my creditworthiness. 

XXXXXXXX XXXX XXXXXX/XX/XXXX I never provided authorization for this inquiry. FCRA 604 ( a ) requires consent. Reporting it without authorization violates federal law. Unauthorized inquiries harm my credit score. Previous disputes did not correct it. I demand verification from the furnisher. If unverifiable, deletion is required. Continued reporting violates 1681i ( a ). Written confirmation of removal is required. Immediate deletion is necessary to protect my rights. 

I request that CFPB oversee a comprehensive review of these inaccuracies and ensure full compliance with all relevant laws, including the Fair Credit Reporting Act ( FCRA ) and related federal regulations. All inaccurate accounts, late payments, and unauthorized inquiries should be corrected or deleted immediately. My rights to fair, accurate, and verifiable credit reporting have been violated, and I expect timely resolution of these disputes. CFPB intervention is critical to ensure that these errors are removed, my credit file is corrected, and further harm is prevented.

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