Consumer complaint received 2025-08-06 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 writing this formal complaint to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a series of serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to dispute and resolve multiple inaccuracies, incorrect information continues to appear on my credit report, including false addresses, late payments that I did not incur, charge-off entries that were never properly validated, and several unauthorized hard inquiries that were made without my consent or permissible purpose. I have contacted the major credit reporting agencies ( Experian, XXXX, and XXXX  ) and the furnishers of these accounts, yet no valid proof or investigation results were provided. Therefore, I am requesting that the CFPB urgently intervene, initiate a full investigation, and compel the responsible parties to permanently delete these items from my credit report in accordance with the law. 
ADDRESS DISPUTES XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX LAW : FCRA XXXX ( c ) ( XXXX ) ( XXXX ), XXXX ( A ), XXXX ISSUE : False Residential Data STORY : I have never lived at this address nor authorized any credit activity from this location. This information is incorrect and must be removed to preserve the accuracy of my profile. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX LAW : FCRA XXXX ( c ) ( XXXX ) ( XXXX ), XXXX ( A ), XXXX ISSUE : Invalid Address on File STORY : This address does not belong to me and may have been erroneously associated with my file. It should be deleted promptly to ensure my credit report reflects only verifiable data. 

ACCOUNT DISPUTES CREDITONEBNK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} Late Payment * * LAW : FCRA XXXX, XXXX ( b ), XXXX ( A ) ISSUE : Inaccurate Late Payment Report STORY : I dispute the late payment reporting. I made timely payments or had a justified delay due to financial hardship, and no notice of delinquency was provided. Please validate this record with original payment logs or delete it. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$890.00} Chargeoff * * LAW : FCRA XXXX, FDCPA XXXX ( b ) ISSUE : Unverified Charge-Off STORY : I do not recall opening this account or authorizing credit from this creditor. This charge-off is unverified and must be substantiated with a signed contract or original application. Otherwise, remove it. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Late Payment * * LAW : FCRA XXXX, XXXX ( b ) ISSUE : Late Payment Reporting Within 30 Days of Opening STORY : This account reflects a late payment shortly after it was opened, which is suspicious and potentially erroneous. I challenge the accuracy of this record and demand verification or deletion. 

MB FIN SVCS XXXX * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff * * LAW : FCRA XXXX, FDCPA XXXX ( b ) ISSUE : Large Balance Charge-Off Not Validated STORY : This charge-off is not familiar, and I request all supporting documentation including payment history, original agreement, and itemized statements. Without this, remove the account. 

XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * LAW : FCRA XXXX, XXXX ( B ) ISSUE : Late Payment Reported on {$0.00} Balance STORY : This account shows a {$0.00} balance yet is being reported as late. That is logically inconsistent and unfairly penalizes me. Please investigate and correct or delete this record. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} Collection * * LAW : FCRA XXXX, FDCPA XXXX ( a ) - ( b ) ISSUE : High Balance Collection Without Proper Validation STORY : This collection account carries a large balance, and I have not received any notice, contract, or breakdown validating the debt. Without adequate verification, this is an FCRA violation and must be deleted. 

INQUIRY DISPUTES WEBBANK/ONEMAIN/EQUIFA XX/XX/XXXX Inquiry LAW : FCRA XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ) ISSUE : Inquiry Made Without My Consent STORY : I did not approve this inquiry. I request that you investigate and remove it as it is damaging my score unlawfully. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry LAW : FCRA XXXX, XXXX ISSUE : Hard Inquiry Without Consumer Knowledge STORY : This inquiry appears without my knowledge or permission. There is no application or agreement supporting this access. Please delete this unauthorized access. 

The continued reporting of false addresses, inaccurate late payments, unverifiable charge-offs, and unauthorized credit inquiries is causing significant financial harm, emotional distress, and reputational damage. These entries are not only misleading but also unlawful under multiple provisions of the Fair Credit Reporting Act. I have exhausted all direct options with the credit bureaus and furnishers, yet the information remains uncorrected. Therefore, I am requesting the CFPB to immediately investigate these violations, hold the responsible data furnishers and reporting agencies accountable, and compel them to remove all inaccurate and unauthorized entries listed in this complaint. I demand full compliance with the FCRA and the permanent correction of my credit report.

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