Consumer complaint received 2025-07-27 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors.

Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is being reported incorrectly and does not belong to me Law : FCRA 15 USC 1681e ( b ) requires data furnishers to maintain maximum possible accuracy Story : I have never lived at this address. This appears to be mixed with another consumers file. Inclusion of this address is inaccurate and damaging Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This address is inaccurate and unrelated to my identity Law : Under FCRA 1681e ( b ), information must be verified and accurate Story : I have not resided at this Louisiana address. It is incorrect and must be removed to ensure my report reflects my true residency history Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Late Payment * * Issue : This account reflects a late payment that I do not recognize or agree with Law : FCRA 1681i ( a ) and 1681s-2 prohibit reporting unverifiable negative data Story : I was never late on this account. I request documented proof of late payments. If none exists, please delete this derogatory mark Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Chargeoff * * Issue : This charge-off is inaccurate and was never properly communicated to me Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) require accurate reporting and consumer notification Story : This account fell into dispute due to fraudulent activity and was not resolved. I was not informed of any final balance or charge-off, making this inaccurate and unfair Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Chargeoff * * Issue : The account status is incorrect and was not handled with proper notice Law : FCRA 1681i ( a ), 15 U.S.C. 1681e ( b ) requires timely investigation and fair reporting Story : I attempted to settle this account, but no communication was made before the charge-off. This was reported prematurely and must be corrected or removed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Chargeoff * * Issue : This is an inaccurate charge-off and was not disclosed properly Law : FCRA 1681s-2 ( b ), 1681e ( b ) Story : I never received notice of default or an opportunity to resolve this account before charge-off. Please remove this from my report unless you can provide legal documentation Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} Late Payment * * Issue : The reported late payment is incorrect and harmful Law : FCRA 1681i mandates dispute reinvestigation of disputed information Story : I have always maintained this account responsibly. If you can not verify the specific month and terms of the alleged delinquency, this must be removed Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Chargeoff * * Issue : Charge-off status is being inaccurately reported without legal substantiation Law : FCRA 1681i, 1681e ( b ), and 1681s-2 Story : The amount reported is inconsistent with my records, and I was not properly notified or given a chance to resolve this. I request full deletion if accurate validation is not provided Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Late Payment * * Issue : This late payment reporting is incorrect and needs reinvestigation Law : FCRA 1681s-2 and 1681e ( b ) Story : I dispute the timing and accuracy of the alleged delinquency. Please confirm with full billing statements or delete Account : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : This account reports a late payment even though it shows {$0.00} balance Law : FCRA 1681s-2 prohibits the reporting of inaccurate data Story : With a {$0.00} balance, there is no legitimate reason for a late payment remark. Please delete this inaccuracy immediately Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff * * Issue : Charged-off account marked with {$0.00} balance Law : FCRA 1681i and 1681e ( b ) inaccurate reporting standards Story : An account can not be charged off with XXXX liability. This contradicts industry reporting standards and must be removed Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Chargeoff * Issue : This collection is duplicated and inaccurate Law : FCRA 1681i and FDCPA 15 U.S.C. 1692e ( 8 ) false and misleading representation Story : I was not notified of this account being placed into collections and have seen inconsistencies in the amount reported across bureaus. Please delete due to unverifiable status Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$270.00} Collection * * Issue : Unauthorized collection account Law : FDCPA 805 ( b ), FCRA 1681i Story : I was never contacted by XXXX or any agency about this debt. No notice, no opportunity to dispute. Please provide proof or delete immediately Inquiry : XXXX XX/XX/XXXX Issue : Duplicate unauthorized inquiry Law : FCRA 1681b Story : This is a repeated instance of unauthorized access. I request all XXXX  inquiries removed Inquiry : XXXX XXXX XX/XX/XXXX Issue : Inaccurate and unauthorized inquiry Law : FCRA 1681b Story : I have no relationship with XXXX and no application filed. This is identity misuse or internal error These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit file.

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