Consumer complaint received 2025-07-27 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address This address is being reported inaccurately on my credit file and I have never resided or received mail at this address and it does not belong to me ISSUE : Reporting inaccurate address violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i and 1681e ( b ) which requires credit bureaus to maintain accurate and verifiable data LAW : Under FCRA Section 611 and Section 607 ( b ), the bureau must conduct a reinvestigation of any disputed information and ensure maximum possible accuracy STORY : I am requesting immediate deletion of this incorrect address as it is damaging my credit profile and misrepresents my personal identity. I have no association with this address and its continued presence on my file creates confusion and risk of mixed files XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff ISSUE : This account shows as charged off despite a {$0.00} balance, which is inconsistent and misleading. It suggests unresolved debt when the balance is clearly zero LAW : Under FCRA 1681i, any information that can not be verified must be deleted and 1681e ( b ) requires all information furnished to be accurate and current STORY : This charged-off status with a {$0.00} balance is misleading and unfairly impacts my credit score. It misrepresents my financial obligations and should be corrected or removed through reinvestigation to reflect the true status of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Chargeoff ISSUE : This account is being reported as a charge-off with a balance, and I was not properly notified of the charge-off nor given opportunity to validate the debt LAW : Under FCRA 1681i and 1681s-2, information furnishers must report accurately and credit bureaus must investigate any disputes and delete unverifiable or inaccurate items STORY : I did not receive a proper notification or itemization of this debt prior to it being charged off. I am requesting full documentation including proof of charge-off, accounting history, and original contract. If such proof can not be provided, this account must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} Chargeoff ISSUE : This charge-off appears on my report, but I dispute the validity and accuracy of the amount and charge-off status as I was in communication with the lender LAW : Per FCRA 1681i, unverifiable data must be removed after a reasonable reinvestigation and XXXX requires furnishers to correct and update inaccurate information STORY : This debt was under dispute with the creditor and I was never notified properly before it was marked charged-off. Reporting it without resolution violates my rights and causes harm to my creditworthiness. I demand removal unless verifiable proof is provided XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff ISSUE : Account marked as charged-off with {$0.00} balance is contradictory and falsely portrays a default where no outstanding obligation exists LAW : FCRA 1681i and 1681e ( b ) require data to be accurate, complete, and verifiable, and any conflicting status must be corrected through reinvestigation STORY : A {$0.00} balance charge-off is misleading and unfairly affects my credit standing. If this account has been paid or settled, the charge-off status should be updated or deleted to reflect the true history and not penalize me inaccurately These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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