Consumer complaint received 2025-08-07 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:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ADDREXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Law : FCRA XXXX XXXX ( a ), XXXX ( c ) ( XXXX ) ( A ), XXXX ( a ) Issue : This address is inaccurately reporting on my credit file.

Story : I have never lived at or been associated with this address. Its presence on my credit profile is erroneous and damaging to the accuracy of my report. I am requesting its deletion immediately. 

ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Law : FCRA Section 602 ( a ), 609 ( c ) ( 1 ) ( A ), 611 ( a ) Issue : This address does not belong to me.

Story : This is not my current or past residence. Including it violates the accuracy standard set forth by the FCRA. Please delete it promptly. 

ADDRESS XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA XXXX XXXX ( a ), XXXX ( c ) ( XXXX ) ( A ), XXXX ( a ) Issue : This address is not connected to me. 
Story : I do not reside, nor have I ever resided, at this address. It should not be present in my credit profile and must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$220.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Late payment is inaccurately reported. 
XXXX : This account is reporting a late payment that is incorrect. I have made payments on time and have records to support that. This information must be investigated and corrected. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$150.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Late payment inaccurately reported. 
Story : I have never missed a payment on this account. Please verify all records and remove this derogatory information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Incorrect late payment showing. 
Story : I always paid this account on time. This is a reporting error that I am requesting to be corrected or removed. 

ACCOUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Late payment listed inaccurately. 
XXXX : This account does not accurately reflect my payment history. Please re-investigate and update accordingly. 

ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( b ), XXXX ( a ) Issue : Charge-off is invalid and misreported. 
Story : I had resolved this account and was not notified of any charge-off status. I request deletion of this derogatory mark. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA XXXX XXXX ( a ), XXXX ( b ), XXXX ( a ) Issue : Charge-off status is inaccurate. 
Story : I have fully paid or settled this account and there should be no charge-off. Please investigate and remove. 

ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Late payment inaccurately added.

Story : This account was paid timely and in full. The negative reporting needs immediate correction. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Late payment does not match my records.

Story : This account was managed well. This is a reporting error. Please remove the late payment. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA Section 611 ( a ), 607 ( b ), 609 ( a ) Issue : Late payment listed is incorrect.

Story : No late payments occurred. The reporting is faulty and needs correction. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ), 607 ( a ) Issue : Duplicate and unauthorized inquiry. 
Story : I never applied with this company. Please investigate and remove. 

INQUIRY XXXX  XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ), 607 ( a ) Issue : Redundant inquiry that I did not approve.

Story : I did not seek credit from them. This is a violation and must be removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ), 607 ( a ) Issue : Unauthorized and duplicative inquiry.

Story : This inquiry should never have occurred. Please delete it immediately. 

INQUIRY XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ), 607 ( a ) Issue : Duplicate unauthorized inquiry.

Story : No credit request made. This pull must be removed.

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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