Consumer complaint received 2025-08-22 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 ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Law Issue : FCRA Section 609 ( a ) ( 1 ), 15 U.S.C. 1681g Right to dispute inaccurate information and verify address Story : This address has never been associated with me, nor have I ever lived or conducted financial activity there. Its presence on my credit report is misleading and may cause lenders to question my identity or residency. The incorrect reporting of this address can lead to denial of credit or increased interest rates. I request that this address be fully verified with proper documentation and removed immediately if it can not be proven to belong to me. 

Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law Issue : FCRA Section 611 ( a ) ( 1 ), 15 U.S.C. 1681i Obligation to investigate disputed information Story : I have never resided at this address, and it has been incorrectly attributed to me. This false information affects my credit profile and may interfere with lenders ability to make accurate assessments. Incorrect addresses can also contribute to potential identity theft concerns. I request complete removal unless verification is provided proving I am or was a resident. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$940.00} Chargeoff Law Issue : FCRA Section 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( b ) Furnisher must report accurate information Story : This account is being reported as a charge-off inaccurately. I have never missed payments or defaulted on this account in the manner reported, and it may belong to another individual or be misreported by the creditor. The inaccurate reporting of a charge-off severely damages my credit score, reducing my ability to obtain loans, secure housing, and access financial opportunities. It is misleading to lenders, and it is imperative that the bureau request verification from the furnisher with full documentation including signed agreements, payment history, and account statements. If verification can not be provided, this account must be deleted immediately to restore the accuracy of my credit file. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA Section 623 ( b ) Accurate reporting required Story : The late payment reported on this account is not accurate. I have consistently made payments on time, or this entry is associated with a different individual. Incorrect late payments misrepresent my financial behavior and reduce my creditworthiness. This false information could lead to higher interest rates or denial of credit applications. I request the bureau to obtain full documentation from the creditor, including payment logs, account statements, and verification that this late payment is indeed mine. If it can not be verified, the late payment must be removed. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA Section 623 ( b ) Ensure accurate reporting Story : This entry is a duplicate of the previous late payment and is reported erroneously. Duplicate entries unfairly lower my credit score and distort my credit history. Lenders reviewing my credit file may perceive me as a higher-risk borrower. I request complete verification from XXXX and removal of this duplicate entry if it can not be substantiated. 

Account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Chargeoff Law Issue : FCRA Section 623 ( b ) Furnisher responsibility for accuracy Story : I dispute this charge-off as it is either inaccurate, misreported, or belongs to another individual. Misreporting a charge-off significantly impacts my credit score and could affect my ability to secure loans or credit cards. I request that the bureau obtain validation of this account, including signed contracts, account statements, and payment history. If this account can not be verified as accurate and belonging to me, it must be removed immediately to prevent further harm. 

Account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Chargeoff Law Issue : FCRA Section 623 ( b ) Dispute inaccurate reporting Story : This account is incorrectly reported as a charge-off. I have no record of delinquency on this account, and the reporting may be erroneous. Charge-offs on my credit report significantly lower my credit score and reduce access to affordable credit. I request verification from XXXX with all documentation, including account agreements, payment history, and proof of delinquency if claimed. If the account can not be verified, it must be removed immediately. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late Payment Law Issue : FCRA Section 623 ( b ) Accuracy requirement Story : The reported late payment on this account is inaccurate and misleading. I have maintained timely payments or the account may not belong to me. This error negatively affects my creditworthiness, potentially increasing interest rates and impacting my ability to obtain loans. I request complete documentation, including payment history and account records, to substantiate this late payment. If verification can not be provided, this late payment must be removed from my credit report immediately. 

Account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Chargeoff Law Issue : FCRA Section 623 ( b ) Requirement to report accurate information Story : This charge-off is reported incorrectly. I dispute its accuracy and assert that it may be misattributed or contains reporting errors. The charge-off reduces my credit score and misrepresents my creditworthiness to lenders. I request the bureau to verify this account with full documentation from XXXX, including payment records and signed agreements. If this account can not be fully verified, it should be deleted immediately. 

Account : XXXXXXXX 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 Issue : FCRA Section 623 ( b ) Obligation to investigate disputed entries Story : This late payment is inaccurate and misrepresents my payment history. Incorrect reporting may cause lenders to perceive me as a high-risk borrower. I request that the bureau investigate this account, verify the late payment with supporting documentation, and remove it if it can not be substantiated. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA Section 623 ( b ) Accuracy of reporting Story : This duplicate late payment is incorrectly reported. It unfairly lowers my credit score and misrepresents my financial responsibility. I request verification from XXXX or removal if unverifiable. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) Unauthorized hard pull Story : This inquiry was not authorized and may negatively impact my credit. Immediate deletion requested. 

Inquiry : XXXX XXXX, XXXX XXXX XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) Consent required for inquiry Story : Unauthorized inquiry reported. Remove immediately to reflect accurate credit history. 

Inquiry : XXXX XX/XX/XXXX Law Issue : FCRA Section 604 ( a ) Unauthorized inquiry Story : I never authorized this inquiry. Delete from report immediately.

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties 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