Consumer complaint received 2025-09-24 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 for the second time regarding serious inaccuracies and misreporting on my credit report. My CFPB complaint is still open, and I have not yet submitted a complaint to the FTC. I am compelled to take this matter seriously under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information reported to credit bureaus must be accurate, complete, and verifiable. Repeated reporting of inaccurate information constitutes a violation of my rights under this law. 
Incorrect Addresses XXXX XXXX XXXX, CA XXXX This address has never been associated with me. Its inclusion is fraudulent and misleading. Because of this incorrect address, several creditors have attempted to contact me at this location, causing confusion and potential identity theft exposure. I have documentation proving my actual residence during the time this address was reported, and it is clear that the reporting entity failed to verify the address properly before submission. Repeated reporting of this incorrect address reflects negligence and violates FCRA 1681e ( b ), which mandates reasonable procedures to ensure maximum accuracy of reported information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Another false address listed under my profile. This repeated misreporting demonstrates a systemic failure by the reporting entity to verify and validate addresses. This address was never linked to any of my accounts, yet it continues to appear in my credit file. Each inaccurate entry not only harms my credit score but also risks serious legal consequences for the reporting entity under FCRA 1681i, which requires prompt and proper investigation of disputed information. 
Account Disputes XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$7200.00}, Date Opened : XX/XX/XXXX Charge Off This account has been inaccurately reported as charged-off. I have never been delinquent in the manner reported, and I possess statements and correspondence showing proper account management and payments made on time. The false charge-off has caused immediate damage to my credit score, hindered my ability to secure loans, and created a misleading impression of my financial responsibility. The reporting of this charge-off without proper verification constitutes a clear violation of FCRA 1681s-2 ( b ), which obligates furnishers to investigate and correct disputed information promptly. 
XXXX XXXX XXXX XXXX  High Balance : {$940.00}, Date Opened : XX/XX/XXXX Late Payment This account is incorrectly reported as late. I have proof of all timely payments and even direct communication with XXXX confirming my account status. The late payment notation is completely false and demonstrates negligence in reporting, directly harming my creditworthiness. This incorrect reporting has caused denial of credit applications and undue stress, and the failure to correct it reflects systemic errors by the reporting agency. 
XXXX XXXX XXXX XXXX  High Balance : {$3000.00}, Date Opened : XX/XX/XXXX Late Payment This account has also been wrongly reported as late. Documentation shows all payments were made on time and according to the agreed schedule. The repeated reporting of late payments despite evidence of compliance indicates a disregard for the FCRAs mandates, including the right to accurate and verifiable credit information. The continued false reporting has resulted in severe financial and personal harm. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$2300.00}, Date Opened : XX/XX/XXXX Late Payment Similar to the other accounts, this entry is inaccurately reported as late. I have maintained meticulous records proving timely payments, yet the account continues to be misreported. These errors cumulatively impact my credit history, my ability to access financial services, and my overall financial reputation. The repeated failures by the reporting entity to investigate or correct these inaccuracies are unacceptable and legally actionable under FCRA. 
I demand immediate correction of all inaccurate addresses and account information. Continued false reporting violates federal law and causes irreparable harm to my financial status. I request written confirmation that these disputes have been investigated and corrected, and that any damages caused by these inaccuracies be acknowledged. Failure to resolve these matters promptly will compel me to pursue further legal remedies.

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