Consumer complaint received 2025-09-25 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 submitting this complaint to CFPB because the following accounts on my credit report contain inaccurate and false information that is severely affecting my XXXX XXXX and financial opportunities. These items have not been properly verified, and under the Fair Credit Reporting Act ( FCRA ) Sections 1681i and 1681s-2 ( b ), they must be fully reinvestigated. I request that each inaccurate item be immediately corrected or deleted. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no association with this address and have never resided here. FCRA Section 609 ( a ) ( 1 ) grants me the right to request verification of all personal information. The reporting of this address appears fraudulent or mistaken, and failure to verify violates federal law. This incorrect entry creates confusion among creditors and could result in denial of credit. The continued presence of this address misleads lenders and contributes to negative assumptions about my credit history. The credit bureau is obligated to maintain accurate information under FCRA Section 607 ( b ). Immediate removal or verification is required. This erroneous data has no legal basis and must be corrected to prevent further financial harm. Failure to act on this dispute would be a clear violation of my statutory rights. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never had any connection to this property. FCRA Section 607 ( b ) obligates the bureau to maintain maximum possible accuracy in reporting. Reporting this false address constitutes negligent reporting and has caused confusion in my credit file. Lenders may associate this property with my identity, leading to potential denial of credit or fraudulent assumptions. I request that the bureau conduct a proper reinvestigation and verify the accuracy of this address with supporting documentation. Continuing to report this address without verification violates FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ). Misreporting an address harms my reputation and creditworthiness. Immediate deletion or verification is legally required to comply with federal law. This inaccuracy is not trivialit directly impacts my financial opportunities. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} The reported late payments on this account are inaccurate and unverifiable. Under FCRA Section 623 ( a ) ( 1 ), furnishers must report only verified and accurate information. I have documentation proving timely payments, and there is no record of late payments. Reporting false late payments harms my XXXX XXXX and misrepresents my payment history. Continued reporting without proper verification is a violation of FCRA Section 607 ( b ). This false reporting has caused confusion with creditors and unnecessary credit denials. I demand full verification including account statements and payment history. Failure to provide this verification requires deletion of the negative entry. This inaccurate reporting constitutes willful negligence by the furnisher and the bureau. It also has a direct impact on my ability to obtain loans and favorable interest rates. Immediate correction or removal is required. Reporting false information about my payment behavior violates my rights. Retaining this data without evidence is unlawful and harmful. Proper documentation must be requested from XXXX and the bureau must act accordingly. 

XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} The late payments reported are inaccurate. FCRA Section 611 ( a ) requires a reinvestigation when I dispute inaccurate information. I request that the bureau obtain verification from the furnisher, which has not been provided. Continued reporting of false information violates Section 607 ( b ) by failing to maintain maximum possible accuracy. This entry negatively impacts my creditworthiness, misleads lenders, and causes financial harm. I have no record of any late payment on this account. Any unverifiable negative entry must be deleted. The continued presence of this account in this status is misleading and violates federal law. Immediate correction is required to prevent further damage. The bureau has a legal obligation to verify or delete inaccurate data. Reporting unverifiable information demonstrates negligence by both the furnisher and the bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX XXXX {$36000.00} This account reports late payments inaccurately. FCRA Sections 607 ( b ) and 611 ( a ) mandate accurate reporting and proper reinvestigation. I have full payment records that contradict these late payment entries. Retaining inaccurate information materially damages my credit profile. The bureau must verify with XXXX using original account statements. Any unverifiable data must be deleted. Continuing to report false information is unlawful and constitutes negligent reporting. This negative entry misleads lenders and financial institutions. Failure to act violates my rights under FCRA Section 609 ( a ) ( 1 ). I demand removal unless verified with supporting documentation. This accounts inaccurate reporting has caused credit denials and misjudgments of my financial responsibility. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Opened XX/XX/XXXX Balance {$0.00} This account is inaccurately reported as a charge-off. FCRA Sections 607 ( b ) and 623 ( a ) ( 1 ) require verifiable, accurate reporting. I have no record of a legitimate charge-off or delinquency. Reporting false charge-offs is materially damaging and misleads lenders. Immediate deletion is required unless verifiable documentation is provided. Retaining this false entry violates my rights and affects my creditworthiness. The bureau must contact the furnisher and obtain proof of any alleged default. Failure to do so is unlawful. This negative reporting directly impacts my ability to obtain loans and credit. I request that this account be removed unless proper verification is provided. Continued misreporting is a violation of federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$2000.00} Reported late payments are inaccurate. FCRA Section 611 ( a ) requires reinvestigation upon dispute. I demand verification from XXXX, which has not been provided. Retaining unverifiable information violates Section 607 ( b ). This inaccurate reporting misleads lenders, affects my XXXX XXXX, and harms my financial reputation. Deletion is required if verification can not be provided. Continued reporting without evidence constitutes a violation of FCRA Section 623 ( a ) ( 1 ). I have documentation proving timely payments. Immediate correction is required. Reporting false information harms my creditworthiness. The bureau has an obligation to ensure data accuracy. Unverified late payments must be removed. This accounts inaccurate reporting is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$1200.00} The reported late payments are inaccurate and unverifiable. FCRA Section 623 ( a ) ( 1 ) obligates the furnisher to provide proof of the negative information. I have no record of late payments. Retaining this information violates Sections 607 ( b ) and 611 ( a ). It misrepresents my credit history and leads to financial harm. Immediate deletion is required unless proper verification is provided. Continued reporting without substantiation is unlawful. This inaccurate data has impacted loan approvals and credit opportunities. I demand verification from XXXX. Failure to provide it constitutes a violation of my rights. This account must be corrected or removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$1300.00} The account is inaccurately reporting late payments. FCRA Sections 607 ( b ) and 611 ( a ) require accurate reporting and reinvestigation. I have documentation proving timely payments. Retaining unverified data misleads lenders and damages my credit. Verification from the furnisher is required. Any unverifiable information must be deleted. Reporting false information violates my statutory rights. This inaccurate reporting has caused tangible financial harm. Immediate correction or deletion is required. Continued misreporting demonstrates negligence. This accounts status is materially inaccurate. Lenders relying on this false information are misled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} This account is inaccurately reported as a charge-off. FCRA Section 623 ( a ) ( 1 ) requires verified and accurate reporting. I have not authorized any action that would justify a charge-off. Reporting false charge-offs materially damages my credit profile. Immediate deletion is required unless proper documentation is provided. Retaining this false entry violates federal law. Lenders may rely on this false information for credit decisions. I demand that the bureau obtain verification or remove this account. Continued reporting without substantiation is unlawful. This inaccurate reporting directly impacts my ability to obtain credit. The bureau has an obligation to ensure accuracy. Immediate correction or deletion is necessary.

I strongly request that CFPB ensure these inaccurate items are fully reinvestigated and corrected or deleted immediately. Under FCRA and the Fair Debt Collection Practices Act ( FDCPA ), ensuring the accuracy of consumer information is mandatory. The continued presence of these false items constitutes legal violations and is causing measurable financial harm.

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