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, Equifax, and TransUnion ) 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 XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 15 USC 1681e ( b ) Requires consumer reporting agencies to ensure maximum possible accuracy Issue : This address is not mine and has never been associated with me. 
Story : I have never lived at or been affiliated with this address. Including this address on my credit report is inaccurate and may have contributed to the reporting of unrelated accounts. I am requesting an immediate investigation and removal of this address from my file. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 15 USC 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy Issue : This is an incorrect and unverified address. 
Story : I have no connection to this property. Reporting this address creates confusion and risk of misidentification, which violates my rights. Please investigate this entry and permanently delete it from my credit report. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} * * Law : FCRA 15 USC 1681s-2 Information furnishers must report accurate data ; FCRA 15 USC 1681i Right to dispute inaccurate information Issue : This account is being reported as a charge-off but is inaccurate and may not belong to me.

Story : I dispute the validity and accuracy of this account. I was not given proper notice, and this alleged charge-off is hurting my credit unfairly. I request that you reinvestigate and provide me with the method of verification. If this can not be properly validated, it must be removed under the law. 

ACCOUNT XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$890.00} * * Law : FCRA 15 USC 1681i Right to dispute inaccurate information ; FCRA 15 USC 1681s-2 Responsibility of furnishers to report correctly Issue : Reported as a charge-off, but the details are inaccurate and inconsistent. 
Story : I dispute this charge-off as I do not recall opening this account with XXXX. There was no notification or validation provided before it appeared on my report. This is a violation of my rights, and I demand deletion if verification can not be proven. 

ACCOUNT XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law : FCRA 15 USC 1681s-2 Furnishers must accurately report ; FCRA 15 USC 1681c Obsolete and irrelevant information must not be reported Issue : Late payment is being reported on an account with {$0.00} balance. 
Story : Reporting a late payment on a closed or zero-balance account is misleading. I request that this negative information be corrected or removed entirely. This affects my credit profile unfairly, and I demand a reinvestigation. 

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