Consumer complaint received 2025-08-26 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 writing to formally dispute the following inaccurate and misleading information reported on my credit report. I demand immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and all other applicable federal and state laws governing accurate credit reporting. Each account or item is listed below with a detailed explanation of the Issue, the Law it Violates, and the Circumstances/Story surrounding the error. The stories are expanded to fully document the harm caused and provide legal context. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX Issue : Wrong Address reported on my credit file.

Law : FCRA 1681i ( a ) ( 1 ) ( A ) Requires CRAs to ensure maximum possible accuracy and promptly investigate disputes.

Story : This address has never been my residence. Its appearance on my credit report misrepresents my personal history, potentially exposing me to identity theft and financial misrepresentation. During the relevant period, I resided at a completely different location, with documentation including utility bills, lease agreements, and government-issued IDs. Reporting an incorrect address can mislead creditors into thinking I am responsible for obligations I have never incurred. This misreporting demonstrates a failure by the credit bureau to follow reasonable procedures under FCRA 1681e ( b ), which explicitly requires CRAs to maintain accurate and complete records. The inclusion of this incorrect address is not just an administrative oversight ; it directly affects my creditworthiness and may impact future financial opportunities. I demand immediate removal and written confirmation of correction. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : Wrong Address reported on my credit file. 
Law : FCRA 1681e ( b ) CRAs must follow reasonable procedures to ensure maximum accuracy of consumer reports.

Story : I have never lived at this address, nor have I had any financial association with this property. Its presence creates a false record that can be used against me by lenders, landlords, and employers. The reporting of this wrong address constitutes a violation of FCRA because it is inaccurate and unverifiable. I have supporting documentation proving my correct residential history, and this erroneous entry must be corrected. Failure to remove it constitutes negligence on the part of the credit bureau and subjects me to potential fraud risks and misrepresentation in my credit file. 
XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX, High Balance : {$0.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off reported inaccurately. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must provide accurate information ; 1681i CRAs must investigate disputed information.

Story : This account was never in default. I received no prior notification or verification about a charge-off, and the reporting of such a negative status is false. It has caused unnecessary damage to my credit score and misled potential lenders about my financial responsibility. According to FCRA, any disputed account must undergo a thorough investigation, and unverifiable or inaccurate information must be corrected or removed. The reporting of this charge-off without validation is a clear violation of federal law and has materially harmed my financial reputation. Documentation such as bank statements and payment records are available to substantiate my claim. 
XXXX XXXX XXXX  XXXX XXXX Account XXXX, High Balance : {$0.00}, Date Opened : XX/XX/XXXX Issue : Charge-Off reported inaccurately. 
Law : FCRA 1681s-2 Accuracy requirement for furnishers of credit information.

Story : This account was closed in good standing. Reporting it as a charge-off is entirely false and misleading. This misreporting creates a false impression of my financial behavior and has impacted my ability to secure credit, mortgages, and other financial services. I have supporting documentation proving timely payments and proper account closure. Reporting this false charge-off violates FCRA regulations and causes material harm to my credit profile, affecting both current and future financial transactions. I demand immediate removal and verification of the account status. 
XXXXXXXX XXXX XXXX, Account XXXX, High Balance : {$130.00}, Date Opened : XX/XX/XXXX Issue : Collection reported inaccurately. 
Law : FCRA 1681s-2 Duty of furnishers to ensure accurate reporting.

Story : This account is either not mine or has been previously resolved before collection reporting. The presence of this account on my credit report is misleading, unlawful, and damaging to my financial profile. Such false reporting can have long-term consequences on my ability to secure loans, employment, and housing. I demand deletion and immediate correction to reflect the true status of my accounts. 
XXXX XXXX, Inquiry Date XX/XX/XXXX Issue : Unauthorized Credit Inquiry. 
Law : FCRA 1681b ( f ) Permissible purposes required for credit inquiries.

Story : I did not authorize this inquiry. Unauthorized inquiries negatively impact my credit score and violate my rights. Reporting this inquiry without consent constitutes a breach of federal law. I demand immediate removal of this inquiry from my credit report and a written confirmation that it was made without my authorization.

I demand that all of the above items be immediately investigated, verified, and corrected or removed as required under the Fair Credit Reporting Act. Continued reporting of inaccurate, unverifiable, or misleading information is damaging, unlawful, and may subject the reporting agencies and furnishers to legal liability.

Please provide written confirmation of receipt of this dispute and a timeline for investigation and correction.

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