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 XXXX XXXX XXXX CA XXXX XXXX : Under FCRA 609 and 611, consumer reporting agencies must only report accurate and verifiable identifying information. This address is not associated with me and reporting it violates FCRA accuracy requirements Story : I have never lived or received mail at this address. It is an inaccurate association on my file and may link me to accounts or activities not belonging to me. This is causing harm to my creditworthiness and must be deleted immediately Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 607 ( b ) requires maximum possible accuracy in reporting. Maintaining this address when it does not belong to me violates the statute Story : I have no connection to this residence. The presence of this address is misleading and associates me with locations and potential accounts that are not mine. This must be removed as it is damaging and false Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Law/Issue : FCRA 611 ( a ) requires credit bureaus to correct or delete information that can not be verified. This address is unverifiable in relation to me Story : I never lived at this location. Its inclusion is incorrect and leads to confusion about my credit profile. I demand its removal as part of this reinvestigation Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$690.00} Charge Off Law/Issue : FCRA 611 ( a ) and 609 ( a ) ( 1 ) give me the right to dispute and request verification of all reported accounts. If the creditor can not fully verify with original signed documents and complete payment history, the account must be deleted. Reporting unverifiable or inaccurate charge-off data also violates FCRA 607 ( b ) requiring maximum accuracy Story : I dispute this charge-off as it does not belong to me. No original contract or signed documentation has been provided proving I am responsible for this debt. Continuing to report this as accurate without proper verification is unlawful. I request immediate deletion of this account 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