Consumer complaint received 2025-09-17 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 formal complaint to dispute multiple inaccuracies and errors on my credit report that have caused severe financial harm, stress, and damage to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and proper investigation of all reported information. I request that the items listed below be thoroughly investigated, verified, and corrected or removed immediately. 
Incorrect Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This address has never been my residence. I have never received any correspondence, bills, or legal notices at this location. Its presence on my credit report is completely false and creates confusion, potential fraud concerns, and misrepresentation of my personal identity. This inaccurate reporting has already caused lenders to question my residential stability and eligibility for loans. I request immediate removal and correction of this address to prevent further misidentification and harm to my credit profile. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have never lived or conducted any financial activity linked to this address. Despite my repeated checks of my credit report, this address remains incorrectly reported, causing ongoing risk of mistaken identity and potential fraudulent activity. Its inclusion is a direct violation of FCRA Section 609 ( a ) ( 1 ), which requires accurate and verifiable reporting of personal information. I demand its immediate correction. 
Account Disputes : XXXXXXXX XXXX XXXX XXXX  High Balance {$470000.00} Date Opened : XX/XX/XXXX Reported with late payments. 
I have consistently made all required payments on time for this account. The reported late payments are factually incorrect and have caused a severe negative impact on my credit score, making it more difficult to access financing. I have documentation proving on-time payments, including bank statements and confirmation receipts. Reporting inaccurate late payments is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that furnishers provide accurate and complete information. These false late payments create a misleading representation of my financial responsibility and affect my ability to obtain housing, loans, and credit cards. 
XXXX XXXX XXXX XXXX High Balance {$20000.00} Date Opened : XX/XX/XXXX Charged off. 
This account has been reported as a charge-off, which is incorrect. I have maintained my account obligations and have documentation supporting my compliance with payment terms. Reporting a false charge-off is highly damaging to my credit reputation and can be considered a violation under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). This inaccurate reporting has already led to denial of loan applications and unjustified increased interest rates. I demand that this error be corrected immediately to reflect the true status of my account. 
XXXX XXXX XXXX XXXX  High Balance {$3000.00} Date Opened : XX/XX/XXXX Charged off. 
The reported charge-off is false. I have maintained all required payments and have proof of payment history that contradicts this reporting. This false charge-off misrepresents my financial responsibility and severely harms my creditworthiness. Misreporting of such serious account status can result in unnecessary financial penalties and denials for new credit. I request immediate correction and validation of the accurate account status as per FCRA Section 611 ( a ). 
XXXX XXXXXXXX XXXX XXXX  High Balance {$6800.00} Date Opened : XX/XX/XXXX Charged off This account has been reported as charged off, which is inaccurate. I have consistently made all required payments and have documentation to prove compliance with the account terms. The false charge-off misrepresents my financial responsibility and severely harms my creditworthiness. Reporting incorrect charge-offs violates FCRA Section 623 ( a ) ( 1 ) ( A ) and creates undue financial hardship, including denials for loans, credit cards, and higher interest rates. I demand immediate correction and validation of the account status. 
XXXX XXXX High Balance {$20000.00} Date Opened : XX/XX/XXXX Charged off This charge-off reporting is false. I have maintained my account obligations, and the reported charge-off is misleading and damaging. This inaccurate reporting negatively affects my credit score, limits my financial opportunities, and may constitute a violation of both FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I request immediate investigation and removal or correction of this account. 
XXXX XXXX XXXX High Balance {$5000.00} Date Opened : XX/XX/XXXX Charged off The account has been incorrectly reported as charged off. I have consistently made timely payments and have documentation proving proper payment history. The reporting of a false charge-off creates a misleading financial record and has already caused denials for financial products, including loans and credit cards. This reporting violates FCRA Section 623 and undermines my creditworthiness. I request immediate correction. 
XXXXXXXX XXXX XXXX XXXX High Balance {$5600.00} Date Opened : XX/XX/XXXX Collection This duplicate collection reporting is false and redundant. Reporting the same account multiple times as a collection exaggerates the severity of my credit risk and violates FCRA guidelines for accurate and fair reporting. This inaccurate duplication has negatively impacted my credit score and financial reputation. I request that this be immediately corrected and verified. 
The repeated inaccuracies in reporting, including false charge-offs and erroneous collections, have caused me undue stress, hindered my financial opportunities, and created a misleading and damaging record of my financial history. I request that each item above be thoroughly investigated, corrected, or removed, and that I receive written confirmation of the results of your investigation. Failure to comply with federal law may leave me no choice but to pursue legal remedies, including statutory damages under the FCRA and reporting violations under the FDCPA.

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