Consumer complaint received 2025-10-21 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 filing this formal complaint against the credit reporting agencies and the following creditors/furnishers for reporting inaccurate, unverifiable, and false information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The following information is being reported inaccurately and has caused severe harm to my credit reputation, financial standing, and personal life. Despite my prior disputes with the credit bureaus, these items remain unresolved and uncorrected. 
WRONG ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never lived at or been associated with this address in any capacity. This is a false report that must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no connection with this address whatsoever. It appears to be the result of a file-mixing or identity error, and I demand this wrong address be permanently deleted. 
INACCURATE ACCOUNT REPORTING : XXXXXXXX XXXX Account No : XXXXXXXX XXXX | High Balance : {$470000.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment This account is being reported as having late payments, which is completely false. I have never made a late payment on this account, and such reporting has severely damaged my credit profile. I have always maintained timely payments and good standing. Please correct the payment history to reflect accurate information. Under FCRA 1681i, this inaccurate entry must be immediately investigated and corrected. 
XXXX XXXX Account No : XXXXXXXX XXXX | High Balance : {$20000.00} | Date Opened : XX/XX/XXXX | Issue : Charge-Off This account has been listed as a charge-off, but I have no knowledge or recollection of defaulting on this account. I was never provided with proper validation or notice. Reporting a charge-off without verified documentation is a serious violation of the FCRA and FDCPA. I demand that this account be deleted entirely from my credit report unless complete verification is provided. 
XXXX XXXX Account No : XXXXXXXX XXXX | High Balance : {$5000.00} | Date Opened : XX/XX/XXXX | Issue : Charge-Off This charge-off entry is false and unverifiable. I have never defaulted on any XXXX account and have not received any legitimate verification proving this claim. This violates my rights under FCRA 609 and 611. I demand that this account be deleted completely or verified with documented proof that meets FCRA standards. 
Summary of Violations : Reporting false personal addresses. 
Reporting inaccurate and unverifiable account information. 
Failing to conduct a reasonable reinvestigation as required by FCRA 611 ( a ). 
Continuing to report false data after notification of dispute, violating FCRA 1681s-2 ( b ). 
Failing to provide validation or proof of debt as required under the FDCPA. 
Requested Resolution : I am requesting the CFPBs assistance in ensuring the credit reporting agencies and data furnishers : 1. Immediately delete or correct the inaccurate account information. 
2. Remove all false addresses from my credit file. 
3. Provide written confirmation and verification of any data they choose to retain. 
4. Ensure that all future reporting complies strictly with FCRA and FDCPA requirements. 
These false reports have caused significant damage to my creditworthiness, resulting in denials of financial opportunities and emotional distress. I trust that the CFPB will take appropriate steps to hold these companies accountable and ensure full compliance with federal consumer protection laws.

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