Consumer complaint received 2025-10-10 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 regarding inaccurate and harmful reporting on my credit file that has caused financial distress, stress, and potential violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws. I request CFPB intervention to ensure proper reinvestigation, correction, and deletion where applicable. 

Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never resided at or conducted any business at this location. There are no leases, utility bills, or government records to link me here. FCRA 1681i requires a credit bureau to investigate and correct disputed items that can not be verified. The repeated reporting of this incorrect address constitutes negligence. Its presence is damaging, misleading, and may result in credit denial. I previously submitted documentation disputing this address. You have failed to remove it, violating my rights under FCRA 1681e ( b ). I demand a full reinvestigation and removal unless substantiated with legitimate proof. Its continued reporting is inaccurate and harmful. Written confirmation of deletion must be sent to me promptly. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is incorrectly linked to me. I have no lease, mortgage, or any record connecting me to this property. Inclusion of this address is false and violates FCRA 1681e ( b ) by failing to ensure accurate reporting. Any creditor claiming association can not provide verified documentation. I have submitted disputes previously, but the address remains. Its continued presence is misleading and harmful to my credit file. I demand reinvestigation, including verification documentation. If unverifiable, this address must be permanently removed. Failing to remove unverified information is a direct violation of FCRA 1681i. Written confirmation of removal is required. 

Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment The reported late payments on this account are inaccurate and unverifiable. I have proof of timely payments and proper account management. FCRA 1681i ( a ) guarantees a reasonable reinvestigation of disputed information. Reporting inaccurate late payments harms my credit score and misrepresents my financial responsibility. I demand complete documentation verifying the late payment claims. Any reporting without substantiation violates FCRA 1681s-2 ( a ). Previous disputes have not led to correction. I insist on deletion until verification is provided. This accounts inaccurate history may affect credit decisions, which is unlawful under federal law. Failure to investigate properly is a violation of FCRA 1681e ( b ). I request detailed payment records, notices, and account history. Unverified reporting is misleading and may constitute negligent or willful violation of FCRA. I demand written confirmation of removal or documentation verifying accuracy. Continued reporting of false information is unacceptable and illegal. All unverifiable negative entries must be removed immediately to comply with federal law. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$25000.00} Late Payment This account is reported with inaccurate late payments and possibly incorrect balance. FCRA 1681i ( a ) requires reinvestigation of disputed items. I have previously provided evidence showing accurate payment history, yet no correction has been made. Reporting unverifiable late payments misrepresents my financial behavior and harms my creditworthiness. I demand primary source documentation showing the alleged delinquency. Reporting without verification violates FCRA 1681s-2 ( a ). Any negative reporting from unverified claims is illegal. I require detailed statements, payment logs, and notices to substantiate this account. Failure to investigate is negligent under FCRA 1681e ( b ). I insist on deletion until proper verification is produced. Re-reporting unverifiable data constitutes a legal violation. Written confirmation of actions taken must be provided. Continued reporting of false information is unlawful and damaging. I demand correction or removal immediately. 

I am requesting your intervention to ensure the removal of the inaccurate address, correction or deletion of the XXXX XXXX chargeoff, and permanent removal of the unauthorized XXXX XXXX inquiry. These actions are required to restore the accuracy of my credit file in compliance with FCRA and to prevent further financial harm. I expect a prompt investigation, correction, and documentation provided to me confirming these actions have been completed.

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