Consumer complaint received 2025-07-18 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:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
DISPUTED ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are inaccurate and do not belong to me or were never associated with any of my credit accounts Law Issue : FCRA Section 611 and 609 ( c ) ( 1 ) ( A ) give me the right to dispute and have inaccurate personal information removed Story : I have never resided at these addresses or used them on any credit application. Including these on my report misrepresents my identity and may lead to fraud or confusion. I demand immediate deletion of these addresses from my credit file and request documentation verifying how and why these addresses were added DISPUTED ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA Section 602 and 623 ( a ) ( 1 ) ( A ) Data furnishers must ensure maximum possible accuracy Story : This account shows a late payment despite a {$0.00} balance. This inconsistency suggests reporting errors or timeline mistakes. I request a reinvestigation into the alleged delinquency and demand this derogatory mark be removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00} Chargeoff * * Law Issue : FCRA Section 611 and 623 ( a ) ( 5 ) Furnishers must report accurate status and proper charge-off timing Story : I do not recall authorizing this account or the amount charged off. I request full documentation including signed agreements and billing statements. If none can be provided, this charge-off must be removed XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : FCRA Section 609 and 623 ( b ) Consumers have the right to request verification Story : This account is charged off yet reflects {$0.00} balance. This contradiction suggests errors in reporting. I request that this account be either validated with documentation or deleted from my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Law Issue : FCRA 611 ( a ) and FDCPA Accuracy and documentation must be provided upon dispute Story : I dispute the accuracy of this charge-off. The reporting agency must provide signed agreements, billing history, and proof of delinquency or remove this account immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA 602 and 623 Must report complete and current information Story : An account with no balance should not reflect a delinquency. I request a thorough investigation and either correction or deletion XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA XXXX and XXXX ( b ) Data must be current and accurate Story : I believe the payment history is incorrect as I paid all dues on time or closed the account with no balance. Please validate this or remove the negative remark XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Chargeoff * * Law Issue : FCRA XXXX XXXX and XXXX ( a ) ( XXXX ) Requires accuracy and correction of incomplete information Story : I request verification of the original agreement and full payment history. If the creditor can not verify this data, I demand immediate deletion of this charge-off XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Chargeoff * * Law Issue : FCRA 611 ( a ) ( 1 ) ( A ) Reinsertion requires proof Story : I dispute this account due to the large balance and the charge-off status. I request full documentation including a signed contract and a breakdown of how this balance was accrued XXXX XXXX XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX Balance Owed : {$390.00} Collection * * Law Issue : FDCPA and FCRA Debts must be validated upon request Story : This is a recent account and I was not notified of any collection activity. I request the full validation of debt including notice of rights and collection authority. Without proper documentation, it must be deleted DISPUTED INQUIRIES XXXX XX/XX/XXXX Hard Inquiry Law Issue : FCRA Section 604 ( a ) ( 3 ) Inquiries require permissible purpose Story : These inquiry appear excessive and were not authorized by me. I request proof of permissible purpose and if not provided, these must be deleted XXXX XXXX  XX/XX/XXXX Hard Inquiry Law Issue : FCRA 604 and 615 Requires consumer authorization Story : I did not apply for credit with XXXX on this date and therefore did not authorize this inquiry. Please remove it if authorization can not be proven XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry Law Issue : FCRA 604 ( a ) ( 2 ) and 607 Must be initiated by consumer Story : This inquiry was unauthorized and I request that XXXX XXXX XXXX Finance provide evidence of my application. Otherwise, this must be removed from my credit file In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

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