Consumer complaint received 2025-11-24 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 filing this complaint because multiple items on my credit report are inaccurate, unverifiable, and reported in violation of FCRA. I have disputed these items, but the credit bureaus and furnishers failed to provide proof or conduct a lawful reinvestigation under FCRA 602, 603, 607, 609, 611, and 623. These errors continue to harm my credit and must be corrected. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX This address does not belong to me and has never been associated with me at any time. Reporting an address that can not be verified violates FCRA 602, 607 ( b ), 609 ( a ), and 611 ( a ). Since no documentation, residency proof, or linkage exists, this address must be deleted from my consumer file immediately. 

XXXX Account No : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment * * This late payment is not accurate because I have never made any late payment. No documentation proving lateness exists, and reporting unverifiable information violates FCRA 602, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). This account must be corrected immediately. 

XXXX XXXX XXXXXXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$890.00} Late Payment * * This late payment is false and unverifiable. I have always paid on time, and no valid proof has ever been supplied. Reporting inaccurate payment data violates FCRA 602, 607 ( b ), 611, and 623. This late payment must be corrected. 

XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance {$550.00} Chargeoff * * I have no knowledge of this account and no signed contract, application, or proof of ownership has ever been provided. Reporting an unverified account violates FCRA 602, 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). This account must be deleted for failure to verify. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$24000.00} Late Payment * * This late payment history is inaccurate because I have never made late payments. No proper verification exists, violating FCRA 602, 607 ( b ), 611 ( a ), and 623. This account must be corrected. 

XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance {$2400.00} Late Payment * This late payment is not correct and remains unverified. FCRA 602, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) require accurate and verifiable reporting, which has not been provided. This late payment must be corrected immediately. 

XXXX Account No : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance {$470.00} Chargeoff * * I have no knowledge of this account and no valid proof or verification has been produced. Under FCRA 602, 609 ( a ), 611 ( a ), and 623, unverifiable and unproven information can not legally remain on my file. This chargeoff must be deleted. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry was not authorized and no permissible purpose exists under FCRA 604 ( a ). Without written authorization, this inquiry violates FCRA 607 and 611 and must be removed. 

XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry is unauthorized and unverifiable. No permissible purpose exists under FCRA 604, and without proof, it must be deleted pursuant to FCRA 611 ( a ). 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized and can not be verified. Reporting an inquiry without a permissible purpose violates FCRA 604 ( a ), 607 ( b ), and 611 ( a ). It must be removed immediately.

I am requesting the CFPB to investigate these inaccurate and unlawful reporting practices, compel the furnishers to produce actual documentation proving these claims, and require the removal or correction of any entry that can not be verified with legally acceptable proof. These continued violations have caused financial harm, emotional distress, and denial of fair credit opportunities. I request immediate enforcement of my rights under federal law and full accountability from the bureaus and furnishers.

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