Consumer complaint received 2025-08-27 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. 

ADDRESSES XXXX XXXX XXXXXXXX XXXX CA XXXX Law/Issue : FCRA 609 and 611 inaccurate address reporting Story : I do not own or use this XXXX XXXX. This creates confusion and makes it appear as if I am associated with accounts or activities tied to this address when I am not. This reporting is damaging and must be deleted as unverifiable. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  CA XXXX Law/Issue : FCRA 609 and 611 inaccurate address reporting Story : I have no lease, bills, or documentation ever connecting me to this apartment. Leaving this on my report creates false identity links and can trigger false matches with accounts that are not mine. This is not acceptable and must be corrected. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law/Issue : FCRA 609 and 611 unverifiable reporting Story : It is contradictory to mark an account as a chargeoff while showing a {$0.00} balance. This inconsistency shows the information is unreliable and can not be verified. This entry misleads lenders into thinking I defaulted on a debt I never owed. It must be deleted. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} Chargeoff * * Law/Issue : FCRA 609 and 611 unverifiable reporting Story : I dispute this account entirely. I have no contract, no signed agreement, and no connection to this debt. Continuing to report this item without proper validation is a violation of my rights. Delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law/Issue : FCRA 609 and 611 unverifiable reporting Story : An account marked as a chargeoff with a {$0.00} balance makes no logical sense. This proves the account is not being reported accurately. Such conflicting information is harmful to my credit profile and must be deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Chargeoff * * Law/Issue : FCRA 609 and 611 unverifiable reporting Story : I do not recognize this account or the alleged balance. No evidence or contract has been shown that proves this debt belongs to me. Reporting unverifiable data violates the FCRA, therefore it must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$2500.00} Chargeoff * * Law/Issue : FCRA 609 and 611 unverifiable reporting Story : I dispute this account and do not acknowledge the balance. This is either a case of mistaken identity or inaccurate reporting. Without proof of my responsibility, it can not remain. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} * * Law/Issue : FCRA 602 ( A ), 607 ( B ), and 609 ( a ) require maximum possible accuracy, full verification, and proper documentation. Reporting inaccurate balances or unverifiable accounts violates these laws.

Story : I do not have knowledge of this account nor have I ever authorized it. The account is reporting a balance that can not be verified with proper documentation. If the furnisher can not provide original signed contracts and payment history, then this account is inaccurate.

DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : 11/5/2008 Balance Owed : {$4100.00} * * Law/Issue : FCRA 602 ( A ) and 611 ( a ) give me the right to dispute any information that is inaccurate or unverifiable. Multiple duplicate accounts reporting under the same creditor is misleading and creates false derogatory data.

Story : This is a duplicate entry of another DPT ED/XXXX loan. Multiple entries for the same alleged account artificially harm my credit profile and do not reflect accurate reporting. I have no record of owing this debt. 

DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5200.00} * * Law/Issue : FCRA 609 ( a ) ( 1 ) grants me the right to request full source documentation of the alleged debt. If documentation is not provided, continued reporting is a violation.

Story : This account appears to be another duplicate of the same alleged creditor and date opened. I can not validate owing multiple balances for the same origin. Without verification, this is damaging and misleading. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} * * Law/Issue : FCRA 607 ( B ) requires consumer reporting agencies to follow reasonable procedures to assure accuracy. Duplicate or unverifiable accounts fail this standard.

Story : I do not recognize this debt. The balance reported is inconsistent and can not be verified. This creates confusion and unfair negative impact on my credit. 

DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} * * Law/Issue : FCRA 602 ( A ) prohibits misleading, incomplete, or inaccurate reporting.

Story : This is another duplicate entry from the same alleged lender on the same date. Multiple accounts with different balances appear fabricated and unverifiable. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} * * Law/Issue : FCRA 611 ( a ) ( 1 ) requires a prompt and reasonable reinvestigation of disputed items.

Story : I have no knowledge of this debt. The reporting of this balance is damaging my report without verification or proper records. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} * * Law/Issue : FCRA XXXX9 ( a ) ( 1 ) ( A ) allows me to demand the method of verification.

Story : This is a duplicate from the same date opened. Duplicate reporting is inaccurate and must be corrected. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} * * Law/Issue : FCRA 607 ( B ) mandates accuracy and completeness.

Story : I do not recall or recognize this account. No evidence has been provided showing that I owe this debt. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} * * Law/Issue : FCRA 602 ( A ) requires fairness, impartiality, and accuracy in credit reporting.

Story : This appears to be an inflated balance that is not accurate nor verifiable. It seems to be a duplicate entry from the same date opened. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} * * Law/Issue : FCRA 609 ( a ) ( 1 ) provides me the right to obtain the source and proof of this debt.

Story : I do not acknowledge this account as mine and have never received proof of it. Reporting this item without verification is a violation. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} * * Law/Issue : FCRA 611 ( a ) ( 1 ) requires any disputed account to be reinvestigated and verified.

Story : This account is unverifiable and appears duplicated under the same lender. 

DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} * * Law/Issue : FCRA 602 ( A ) prohibits duplication or false representation of accounts.

Story : This is another duplicate entry under the same lender with conflicting balances. Such reporting is misleading and must be corrected. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} * * Law/Issue : FCRA 607 ( B ) requires reasonable procedures to assure accuracy. 
Story : I can not validate this account. It is a duplicate with another entry from the same date but different balance. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Chargeoff * * Law/Issue : FCRA 609 and 611 unverifiable third-party debt reporting Story : This is a debt buyer account. Debt buyers often report unverifiable data with no original contract or agreement. This can not be validated and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} Collection * * Law/Issue : FCRA 609 and 611 unverifiable reporting Story : I have no knowledge of this company and never authorized this account. No original signed agreement exists, therefore it is unverifiable and must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Collection * * Law/Issue : FCRA XXXX and XXXX unverifiable reporting Story : I never authorized or opened this account. I have no knowledge of this company, making the reporting of this collection fraudulent and inaccurate. Delete immediately. 

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