Consumer complaint received 2025-08-20 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 the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Law : FCRA Section 611 Duty to Reinvestigate Issue : Address does not belong to me and is linked to potential mixed file errors Story : I have never resided at this location, and yet it appears tied to my identity. This creates a misleading history and damages my creditworthiness. This inaccuracy is not only confusing to lenders but also unjustly lowers my scores and increases my risk profile. I am experiencing unnecessary stress due to this misreporting, and I demand it be deleted immediately XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Law : FCRA Section 607 ( b ) Maximum Possible Accuracy Issue : This is an inaccurate address reported on my credit file Story : I have no association with this address whatsoever. Its presence creates false links to accounts that may not belong to me, leading to denial of credit opportunities and financial obstacles. This misreporting is damaging my financial future and creating hardship, so I insist on immediate removal of this false address ACCOUNTS XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXXXXXX  Balance : {$700.00} Late Payment Law : FCRA Section 623 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information Issue : Late payments reported are not accurate Story : This account is inaccurately showing late payments that do not reflect my actual payment history. These false entries are misleading lenders, unfairly damaging my credit score, and causing both emotional and financial distress. Without proper documentation proving the accuracy of these late payments, this derogatory reporting must be deleted immediately XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$840.00} Late Payment Law : FCRA Section 611 Right to Reinvestigation Issue : Account inaccurately reflects late payments Story : I dispute the accuracy of the reported late payments because they do not match my personal records. This false reporting creates the impression that I am financially irresponsible, which is untrue and harmful. It is preventing me from obtaining fair credit and creating stress in my personal life. If the furnisher can not provide proper proof, this account must be removed XXXXXXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$610.00} Late Payment Law : FCRA Section 602 ( A ) Accuracy in Consumer Reports Issue : Reported late payments are inconsistent with my payment history Story : The late payment reporting on this account is inaccurate and harmful. It misrepresents my financial behavior, resulting in higher interest rates and potential denial of opportunities. This misinformation is damaging my reputation and financial stability. Since it can not be properly verified, it must be deleted XXXX XXXX Open Date XX/XX/XXXXXXXX  Balance : {$0.00} Late Payment Law : FCRA Section 607 ( b ) Maximum Possible Accuracy Issue : An account with a XXXX balance should not be showing derogatory payment history without supporting documentation Story : This reporting makes no sense, as the account balance is XXXX but still reflects late payments. This contradiction shows a failure in accurate reporting, damaging my creditworthiness and misleading potential lenders. The presence of this derogatory history with no outstanding debt is unfair and must be deleted immediately XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} Chargeoff Law : FCRA Section 609 Right to Full Disclosure Issue : Account is marked charge-off despite XXXX balance Story : Reporting a charge-off with a balance of XXXX is contradictory and misleading. It creates the false impression of delinquency even though no balance exists. This error is damaging my financial reputation, blocking access to fair credit, and causing unnecessary stress. I demand deletion of this unverifiable account XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$6800.00} Collection Law : FDCPA Section 807 ( 8 ) False or Misleading Representation Issue : Collection reporting is inaccurate and unverifiable Story : This collection account is being reported without proper validation of debt. I have never received any verification, and the reported balance is inflated. This unfair reporting is causing financial harm, emotional stress, and limiting my access to fair credit. Since the debt can not be validated, this account must be deleted XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00} Collection Law : FDCPA Section 809 ( b ) Validation of Debts Issue : Reporting a collection account with a XXXX balance is inaccurate and misleading Story : This entry creates false derogatory impact on my credit without any real obligation tied to it. Reporting a collection with no balance is unfair and damaging, creating stress and confusion in my credit file. This inaccurate reporting must be permanently deleted I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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