Consumer complaint received 2025-08-22 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 submitting this complaint to formally dispute multiple inaccuracies and violations on my credit report, which have caused me substantial financial harm, emotional distress, and reputational damage. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate reporting and the correction or removal of any information that is inaccurate, incomplete, or unverifiable. Despite repeated attempts to resolve these matters directly with the creditors and credit reporting agencies, these inaccuracies persist, leaving me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Reported without my authorization. 
Law : FCRA 1681e ( b ) Agencies must follow reasonable procedures to ensure maximum possible accuracy.

Story : I have no association with this address, yet its reporting implies residency, leading to miscommunication from creditors and increasing my vulnerability to potential fraud. This is a clear failure by the credit bureau to verify information properly, and it has created unnecessary anxiety and inconvenience in my daily life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Not my residence. 
Law : FCRA 1681i Duty to investigate inaccuracies.

Story : The incorrect reporting of this address has compounded difficulties in my financial life, resulting in misdirected bills, repeated inquiries from lenders to verify my information, and disruption to my ability to manage my accounts efficiently. 
XXXX, Account # XXXX Charge-off, High Balance {$24000.00}, Opened XX/XX/XXXX Issue : Improper charge-off reporting. 
Law : FCRA 1681s-2 ( b ) Obligation of furnishers to report accurate information.

Story : This account has been reported as a charge-off despite my attempts to resolve disputes directly with XXXX. The charge-off does not reflect the true status of my account. Its continued reporting is causing significant damage to my credit score and hindering my ability to access fair lending opportunities. I have provided documentation showing my compliance with payment obligations, yet the inaccuracy persists. 
XXXX XXXX XXXX, Account # XXXX Late Payment, High Balance {$2000.00}, Opened XX/XX/XXXX Issue : Incorrect reporting of late payment. 
Law : FCRA 1681s-2 ( b ) ; 12 C.F.R. 1022.41 Duty to correct inaccurate reporting.

Story : I have consistently made timely payments on this account. Reporting a late payment that did not occur is misleading and unfairly damages my credit profile. This misinformation could result in higher interest rates, loan denials, and other financial setbacks. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payment, High Balance {$60.00}, Opened XX/XX/XXXX Issue : Falsely reported as late. 
Law : FCRA 1681s-2 ( b ).

Story : Despite my punctual payments, this account was reported as late, which is a violation of my rights. I have documentation proving all payments were made on time. The false report undermines my financial credibility and causes ongoing stress and difficulty in managing my credit. 
Multiple Credit Inquiries Unauthorized or Questionable Accounts/Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Issue : Multiple inquiries were made without my knowledge or authorization. 
Law : FCRA 604 ( a ) ( 3 ) ( A ) Inquiries must have permissible purpose.

Story : These unauthorized inquiries have unnecessarily lowered my credit score and suggest activity I did not initiate. Each inquiry implies potential financial risk that I have never consented to, creating confusion with lenders and increasing the burden of explaining my financial situation repeatedly. The excessive and unauthorized reporting of inquiries is a serious violation of FCRA and has caused ongoing stress, reputational damage, and obstacles in accessing fair financial services. 
The repeated reporting of inaccurate addresses, false account statuses, and unauthorized inquiries is unacceptable and constitutes multiple violations of federal law. I demand that all errors be immediately investigated and corrected, and that any unverifiable or unauthorized information be permanently removed from my credit file. The continued misreporting has caused severe distress, financial inconvenience, and loss of opportunity. I request written confirmation from all reporting agencies and furnishers that corrections have been made, along with an updated copy of my credit report reflecting these corrections. I reserve the right to take further legal or administrative action if these issues are not fully and promptly resolved.

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