Consumer complaint received 2025-08-20 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. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Law/Issue : FCRA 609 ( a ) ( 1 ), inaccurate reporting of personal identifying information Story : This address is not mine and has been wrongly linked to my file. Reporting this address creates confusion and mixes my credit file with data that does not belong to me. I have never lived at this location, nor have I ever used it for employment, mailing, or identification purposes. Keeping false addresses in my file puts me at risk for identity confusion and incorrect account matching. I request its immediate removal to ensure accuracy of my credit profile. 

ACCOUNTS XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$24000.00} Chargeoff Law/Issue : FCRA 602 ( A ), 607 ( B ), FDCPA 807, account inaccurately reported as chargeoff Story : This account is being reported with derogatory status that is not correct. The reporting is damaging, misleading, and unverifiable. I have not received proper notices or validation to confirm this debt as charged off. The continued negative reporting suggests negligence or error in record-keeping. I request immediate reinvestigation and full deletion if this account can not be validated with supporting documentation. 

XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$12000.00} Late Payment Law/Issue : FCRA 609 ( a ) ( 1 ), 611, inaccurate late payment reporting Story : This account is decades old and should not be reflecting new or ongoing late payments. The reporting is misleading and inconsistent with my records. Any updates showing derogatory marks this far back are outdated and fall outside reasonable reporting standards. Inaccurate late payment reporting unfairly lowers my creditworthiness. I request verification with complete records or deletion of this negative information. 

XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$8600.00} Late Payment Law/Issue : FCRA 607 ( B ), data accuracy requirement violated Story : This account is reporting false late payment data that is hurting my creditworthiness. There has been no recent activity or new delinquency to justify such reporting. Inaccurate and unverifiable data must be removed as it does not reflect my true payment history. This error is misleading lenders and affecting my financial opportunities. 

XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$6900.00} Late Payment Law/Issue : FCRA 602 ( A ), consumer protection against outdated derogatories Story : The continued reporting of this old account with alleged late payments is misleading and inaccurate. Information from over XXXX decades ago is not relevant to my current financial standing. By keeping outdated derogatories, the bureau is violating my right to fair reporting. I request deletion unless it can be fully verified with complete and accurate documentation. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$330.00} Chargeoff Law/Issue : FDCPA 809 ( b ), FCRA 611, unverifiable debt reporting Story : This account is showing as a chargeoff but there has been no validation of debt provided. I have never received proper verification from the creditor or the collector. Reporting a debt without legal validation is inaccurate and unfair. This account must be deleted if it can not be supported with actual documentation proving its accuracy and ownership. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1300.00} Collection Law/Issue : FCRA 607 ( B ), FDCPA 807, inaccurate reporting as collection Story : This account is showing as a collection without proof of proper validation. I dispute this entry in full because I have never received notice of validation or evidence that this debt belongs to me. This reporting harms my profile and creates a false impression of delinquency. I demand removal if validation can not be provided. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$880.00} Collection Law/Issue : FCRA 609 ( a ) ( 1 ), FCRA 611, inaccurate and unverifiable collection reporting Story : This account has been reported as a collection but is unverifiable. I have never received any valid proof or bill for this debt. Without proper documentation, its presence is inaccurate and misleading. This entry harms my ability to obtain fair credit and must be removed immediately if it can not be verified. 

INQUIRIES CAP XXXX XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA 604, unauthorized inquiry Story : This entry is inaccurate and damaging. I did not seek credit with this entity on the listed date. Removal is required under the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law/Issue : FCRA 604, no permissible purpose Story : This was not authorized by me. I have no record of requesting credit from this entity. This false inquiry negatively affects my score and should be deleted. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA 604, no authorization Story : I dispute this inquiry. I never applied for credit with XXXX XXXX. Its presence is false and harmful to my report. Please remove. 

CONSUMER XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA 604, unauthorized Story : I did not approve this inquiry. It appears fraudulent or erroneous. I request its immediate removal. 

XXXX XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA 604, no permissible purpose Story : This inquiry is unauthorized. I had no dealings with this company at the time. Please delete. 

XXXX XXXX XXXX  XX/XX/XXXX Inquiry Law/Issue : FCRA 604, unauthorized Story : This inquiry is inaccurate. I did not consent or request credit with this lender. This must be removed. 

XXXX XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA 604, impermissible inquiry Story : I did not authorize this inquiry. It is harmful to my credit profile. Please delete. 

XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA 604, no permissible purpose Story : This was not authorized. I never requested credit through this company. I request immediate deletion. 

XXXX XX/XX/XXXX Inquiry Law/Issue : FCRA 604, impermissible inquiry Story : This inquiry was not permitted by me. I have no connection to this application. Please delete. 

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