Consumer complaint received 2025-08-27 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 submitting this complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Address XXXX XXXX XXXX XXXX, TX XXXX Law Issue : FCRA Sections 609 & 611 Right to dispute inaccurate information and reinvestigation requirement.

Story : This address has never been associated with me in any capacity. Its presence on my credit file is false and misleading. Having this wrong address impacts my ability to obtain credit and creates unnecessary risk of identity confusion. I request immediate verification and deletion of this address from my credit report. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance Owed : {$XXXX XXXX XXXX XXXXe : XXXX XXXX Issue : FCRA Sections XXXX & XXXX Accuracy and completeness requirement. FDCPA XXXX XXXX XXXX of debt. 
XXXX : This account is inaccurately reported as a charge-off with a {$0.00} balance. I have never owed this debt, received bills, or been contacted regarding this account. Reporting it as a charge-off is false and materially damages my creditworthiness. I demand full verification and, if the debt can not be validated, immediate deletion of this account from my credit report. 

Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} * * Type : XXXX XXXX Issue : FCRA Sections XXXX, XXXX, XXXX Obligation to report accurate data and conduct proper reinvestigation. FDCPA Sections XXXX & XXXX Debt validation and accurate reporting. 
XXXX : This account is incorrectly marked as a charge-off. I dispute the accuracy of the reported balance and the status of this account. I request that XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX proof of the debt, including account statements and payment history. Reporting this account as a charge-off without verification is a violation of FCRA and FDCPA. If verification can not be provided, I demand deletion of this account from my credit report immediately. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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