Consumer complaint received 2025-08-29 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 because my credit report is showing inaccurate, incomplete, and unverified information that is causing me severe financial and personal harm. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and in some cases also violate the Fair Debt Collection Practices Act ( FDCPA ). The law requires credit reporting agencies and furnishers to report only accurate, verifiable, and complete information. The following items must be deleted or corrected immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This address does not belong to me and has been incorrectly placed on my file. Law : FCRA 609 ( a ) requires consumer reporting agencies to report only accurate information. Story : This is not my residence, nor do I have any connection to it. The presence of this address on my report creates serious risks for me, including being linked to accounts or debts that are not mine. Such false reporting can also lead to credit denials because creditors may think I lived at multiple unstable addresses, which is not true. It is unfair and damaging to my character and financial stability. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wrong Address Issue : This address is also wrong and has no association with me. Law : FCRA 607 ( b ) requires that reporting agencies follow reasonable procedures to assure maximum accuracy. Story : Including this address on my credit report is misleading because it suggests that I lived in a place where I never resided. This creates confusion for lenders, makes me appear financially unstable, and increases the risk of fraud because someone else at that address could open accounts in my name. This error has already caused stress and worry about potential misuse of my identity. 
XXXX XXXXXXXX High Balance : {$720000.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account is reporting late payments without proper proof or validation. Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate information. Story : The account balance reported is extremely large, yet no documents have been provided to show I was actually late. Reporting late payments on such a high balance account severely damages my credit score and falsely portrays me as financially irresponsible. This is extremely unfair because creditors and potential lenders view me as a high-risk borrower based on inaccurate information. This has already made it difficult for me to get fair interest rates, loan approvals, and has caused emotional distress knowing that false data is being used against me. 
XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reporting a late payment when the account has a zero balance is inaccurate and misleading. Law : FCRA 602 requires accuracy and fairness in credit reporting. Story : It makes no logical sense to have late payments reported on an account that carried no balance. This creates the false impression that I defaulted on an account even when I owed nothing. Such reporting not only lowers my credit score but also unfairly tarnishes my reputation. Creditors who see this think that I can not manage even simple obligations, which is completely false. This kind of error undermines trust and places me in an unfair financial position. 
XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account is reported as a charge-off without validation or documentation. Law : FDCPA 809 and FCRA 611 require verification of debt before it can be reported. Story : A charge-off is a serious derogatory mark that can prevent me from qualifying for loans, housing, and sometimes employment. Yet no proof has been shown that this debt is valid, mine, or accurate. Reporting without evidence is both unlawful and damaging. This false charge-off entry gives creditors the impression that I completely failed to pay a debt, which is not true. The financial and emotional toll of being misrepresented this way is severe and unjust. 
XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off Issue : A charge-off is listed even though the balance is reported as zero, which is contradictory and inaccurate. Law : FCRA 607 ( b ) requires maximum possible accuracy, and FDCPA prohibits reporting unverified debt. Story : This reporting makes it appear as though I defaulted on an account when there was no balance at all. It is unfair and harmful because it paints me as someone who walks away from obligations, which damages my credibility with lenders. This false entry has already created difficulties for me in accessing fair credit and creates a misleading narrative of my financial history. 
XXXX XXXX XXXX High Balance : {$100000.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account is showing late payments without proper verification. Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate or incomplete information, and FCRA 607 ( b ) requires maximum possible accuracy. Story : Reporting late payments on such a high balance account creates an extremely damaging and false picture of my financial behavior. This reporting suggests I am careless with obligations when in reality no valid proof of delinquency has been provided. This has already led to unfair credit denials and reputational harm, creating unnecessary stress and loss of financial opportunity. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$100000.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account is duplicated and reported as a charge-off twice, which is both inaccurate and misleading. Law : FCRA 607 ( b ) requires maximum possible accuracy, and duplicative reporting violates that obligation. Story : Not only is the charge-off itself disputed as invalid and unverified, but the duplication of the same account doubles the harm to my credit file. This misrepresentation unfairly lowers my credit score twice for the same alleged debt, creating severe financial harm. It prevents me from getting approved for new credit, creates higher interest rates, and damages my ability to rent housing or secure employment. Reporting the same alleged charge-off two times is unlawful, misleading, and extremely prejudicial to me as a consumer. 
In conclusion, these accounts are inaccurate, incomplete, duplicative, and unverified, in violation of the FCRA and FDCPA. They severely harm my credit score, misrepresent my financial history, and cause unjust denials of credit, housing, and other opportunities. I demand immediate deletion of these accounts, a full reinvestigation into their validity, and written confirmation of the results within the legally required timeframe under FCRA 611.

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