Consumer complaint received 2025-10-22 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:
Dear CFPB, I am submitting this formal complaint regarding serious and ongoing inaccuracies being reported on my credit file by XXXX XXXX XXXX and credit reporting agencies. These inaccuracies have caused significant harm to my creditworthiness, financial opportunities, and overall reputation. Despite previous disputes and reinvestigation requests, the credit bureaus have failed to provide proper validation and have continued to report unverifiable and misleading information in violation of federal consumer protection laws. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires data furnishers and consumer reporting agencies to ensure the maximum possible accuracy of consumer information, and under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the reporting or collection of debts without proper validation. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are not associated with me, and I have never lived, received mail, or had any credit-related activity connected to these locations. Reporting false or mixed personal data constitutes a direct violation of FCRA Section 607 ( B ), which requires consumer reporting agencies to maintain maximum possible accuracy. Including these addresses on my report creates the false appearance of multiple residences, which can lead to identity confusion and credit risk misclassification. Therefore, I demand that these addresses be deleted from my file immediately. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/year> | Balance Owed : {$0.00} | Reported : Late Payment * * This account is being falsely reported as having late payments, which is completely inaccurate. I have never been late on this account, and your continued reporting of such derogatory information without verified documentation from the furnisher violates FCRA Section 611 ( A ) and FDCPA Section 807 ( 8 ). The Fair Credit Reporting Act requires you to obtain proper verification directly from the original creditor, not rely on automated data or prior reporting. If you can not obtain signed and dated proof of any alleged late payment from the creditor, you must delete this inaccurate information from my file. Continued publication of unverifiable derogatory data can be considered defamation under both federal and state law. The inaccurate reporting of this account has caused significant harm to my creditworthiness and has hindered my ability to obtain fair financial opportunities. 

I am requesting the CFPB to conduct a thorough investigation into this matter and require both the credit reporting agencies and XXXX to provide proof of the alleged late payment, including account records, billing history, and verification documents. If such proof can not be provided, the inaccurate reporting must be immediately deleted and my credit file corrected to reflect accurate information. The continued reporting of unverifiable data demonstrates a failure to maintain accuracy and integrity in consumer reporting systems. I seek full compliance with all provisions of the Fair Credit Reporting Act and Fair Debt Collection Practices Act, as well as confirmation of deletion or correction of this inaccurate information from all credit bureaus.

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