Consumer complaint received 2025-08-08 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: WA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX LAW : Under the FCRA Section 609 ( c ) ( 2 ) ( A ), I have the right to request the source and accuracy of any personal information reported. 
ISSUE : This address is inaccurately linked to my file and does not belong to me. 
STORY : I have never resided at or used this address in any capacity. Reporting this location is creating confusion and misidentification. Please delete this address from my credit file. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, WA XXXX LAW : FCRA Section 611 requires prompt correction or deletion of inaccurate, incomplete, or unverifiable information. 
ISSUE : This address is falsely reported on my credit profile. 
STORY : I have never lived at this location and have no ties to it. This is an error that needs immediate correction. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$260.00} Late Payment * * LAW : FCRA Section 611 and Section 609 guarantee my right to dispute and request verification. 
ISSUE : This account is reporting late payments I do not acknowledge. 
STORY : I was not late on this account and no proper notification or documentation was ever sent to me. Please reinvestigate and remove these inaccurate late payments. 
ACCOUNT XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$1200.00} Late Payment LAW : Under FCRA Section 611, I have the right to dispute and request verification of account details. 
ISSUE : Late payment status appears to be in error. 
STORY : I dispute the timeliness and balance reporting of this account. I request full documentation or deletion from my report. 
ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : Not Reported Balance Owed : {$540.00} Chargeoff * * LAW : FCRA Section 609 ( a ) ( 1 ) and Section 611 ( a ) allow me to demand documentation. 
ISSUE : This charge-off is not mine and not properly verified. 
STORY : Ive never had service with this provider or account number. Please delete this unverifiable charge-off immediately. 
ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : Not Reported Balance Owed : {$9.00} Chargeoff * * LAW : Under Section 609, I have the right to request full validation of this account. 
ISSUE : Reporting this balance as charged off is misleading and harmful. 
STORY : This balance and account are not mine. Please investigate and delete it if it can not be proven with clear documentation. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2800.00} Late Payment * * LAW : FCRA Section 623 ( b ) requires data furnishers to correct inaccurate information after notification. 
ISSUE : This account is showing multiple inaccurate late entries. 
STORY : These late payments are not accurate. I never received proper billing, and the payment reporting does not align with my records. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} Late Payment * * LAW : Under FCRA Section 611 ( a ), I request verification of payment history. 
ISSUE : This loan shows inconsistent late reporting. 
STORY : I request a full investigation into this entry. If the furnishers can not verify with documentation, this entry must be deleted. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$400.00} Late Payment * * LAW : FCRA 607 ( b ) ensures credit data must be complete and accurate. 
ISSUE : Late payment reporting is incorrect. 
STORY : I dispute the accuracy of this late mark. Please remove it unless the furnishers can provide full proof and consent records. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : Not Reported Balance Owed : {$9.00} Chargeoff * * LAW : FCRA Section 611 & 609 ( a ) support my right to dispute and validate. 
ISSUE : This charge-off is unverifiable and likely not mine. 
STORY : Ive never been associated with this telecom provider. Please remove this inaccurate item immediately. 
ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : Not Reported Balance Owed : {$17.00} Chargeoff * * LAW : Under Section 611 of the FCRA, I request full reinvestigation. 
ISSUE : This small charge-off appears inaccurate and unverified. 
STORY : I have no recollection or association with this account. It must be verified or deleted. 
INQUIRY XXXXXXXX XXXX XXXX XXXX  LAW : FCRA Section 604 was violated. 
ISSUE : Unapproved inquiry. 
STORY : I did not authorize or initiate this inquiry. Please remove it immediately. 
INQUIRY XXXX XXXX XXXX  LAW : FCRA Section 604 governs this pull. 
ISSUE : Inquiry not tied to any credit application.

STORY : I never submitted a request that justifies this inquiry. Please delete. 
I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

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