Consumer complaint received 2025-08-23 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 against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Law : FCRA Section 609 and 611 require consumer reporting agencies to maintain only accurate information Issue : This is not my current or past legal residence and has been falsely attached to my file Story : I have never lived at this address, yet it remains linked to my credit file and connects me to accounts I do not recognize. This creates the false impression of instability and damages my credibility with lenders and employers. This error has caused me anxiety and financial hardship as it links me to accounts that do not belong to me. 
Instruction : Immediately delete this address from my credit file and ensure no account remains linked to it. Provide written confirmation of its permanent removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA Section 607 ( b ) requires reasonable procedures to assure maximum accuracy Issue : This address does not belong to me and is inaccurately reported Story : I never resided at this address. Keeping this in my credit file misrepresents my living history and attaches me to data that does not reflect my life. This has caused denials of credit and unnecessary embarrassment when creditors question my identity. 
Instruction : Remove this address immediately and conduct a full reinvestigation ensuring no account is tied to this incorrect address. Provide me written confirmation of deletion. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Chargeoff Law : FCRA Section 611 and Section 623 require accuracy and proper investigation Issue : This account is being reported as a chargeoff, which is inaccurate and not fully verified Story : I have repeatedly disputed this account and no original signed contract or validation has been provided. This account is harming my ability to obtain fair credit, inflating my utilization ratio, and unfairly lowering my creditworthiness. I have lost credit opportunities due to this error. 
Instruction : Delete this account from my file unless you can provide the original signed contract, full account history, and payment record from the original creditor. Provide written proof of validation or remove it. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Chargeoff Law : FCRA Section 602 and 623 require fair and accurate reporting Issue : This chargeoff is not mine and can not be verified properly Story : This account has been reported as charged off, but I never authorized or signed for such an account. This false reporting is damaging my financial standing and blocking me from obtaining new credit cards, apartments, and even employment. 
Instruction : Conduct a reinvestigation with full account-level verification. If you can not provide proper validation, remove this account immediately from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Chargeoff Law : FCRA 607 ( b ) requires maximum accuracy Issue : Duplicate reporting of XXXX  XXXX is inaccurate and inflates negative marks Story : This appears to be the same account reported multiple times, which unfairly multiplies the damage to my credit score. It has caused repeated denials for auto loans and credit cards. 
Instruction : Remove duplicate reporting or delete this account entirely if validation can not be produced. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} Chargeoff Law : FCRA 611 requires proper reinvestigation Issue : This account is unverifiable and harmful Story : I never received proper validation of this XXXX account. The ongoing reporting creates unnecessary hardship by inflating my debt ratio and damaging my reputation as a responsible consumer. 
Instruction : Provide validation with original documents, or remove this account entirely. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Chargeoff Law : FCRA 623 requires furnishers to report accurate data Issue : This account can not be tied to me with verified documentation Story : I never opened this account. Its presence on my file is damaging my financial health and personal credibility. I have faced credit denials and emotional stress due to this false reporting. 
Instruction : Permanently delete this account unless you can produce verifiable proof of ownership. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7900.00} Chargeoff Law : FCRA Section 611 requires accuracy in reporting Issue : This account is highly damaging with a large balance reported as charged off, yet it remains unvalidated Story : This XXXX account is inaccurately reported and severely damages my credit utilization and score. This prevents me from accessing fair credit, resulting in higher financial costs and denial of personal opportunities. 
Instruction : Unless you provide full verification including the original signed agreement, payment history, and account statements, delete this account from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Chargeoff Law : FCRA Section 607 ( b ) accuracy requirement Issue : Account unverifiable and inaccurately reported as chargeoff Story : I never received validation for this account. Its presence creates barriers to renting housing and has led to higher insurance premiums. This is causing continuous financial and emotional harm. 
Instruction : Delete this account from my file unless you can fully validate it with legal documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Chargeoff Law : FCRA 611 Issue : This is an unverifiable account with no documentation provided Story : This account creates confusion and makes me appear financially irresponsible. It is damaging my credit opportunities and does not belong in my file. 
Instruction : Remove this account from my credit report unless proper validation is produced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$660.00} Chargeoff Law : FCRA 611 Issue : Appears to be duplicate or fraudulent reporting Story : Having multiple XXXX XXXX entries compounds the damage to my credit score and makes my file appear riskier than it is. This has created unfair financial barriers in my daily life. 
Instruction : Delete all unverifiable or duplicate accounts immediately. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law : FCRA 607 ( b ) Issue : Reporting a {$0.00} balance as chargeoff is contradictory Story : This is false and misleading, making me appear as if I defaulted despite having no balance. This unfairly reduces my score and credibility. 
Instruction : Delete this account immediately. 

XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law : FCRA 607 ( b ) Issue : Reported with {$0.00} balance but listed as chargeoff Story : Creates false risk profile against me when creditors view my file Instruction : Delete this inaccurate reporting immediately. 

XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law : FCRA 611 Issue : Duplicate/unverifiable Story : Multiple Celtic accounts appear duplicated and false, multiplying the harm to my score Instruction : Remove duplicates and unverifiable accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection Law : FCRA Section 623 Issue : Reported as collection without validation Story : I never received a validation notice for this alleged debt. It unfairly damages my credit standing and blocks access to new phone services and utilities. 
Instruction : Provide proof with full validation, or remove this entry entirely. 

XXXX XXXX  BANK XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Collection Law : FCRA 623 Issue : This entry is unverifiable and linked to duplicate XXXX entry Story : Double reporting of the same debt inflates my negative marks and causes unnecessary harm Instruction : Delete duplicate or unverifiable entries immediately. 

INQUIRIES XXXX XXXXXX/XX/XXXX Law : FCRA 604 Issue : Unauthorized inquiry. 
Story : I never applied for credit with XXXX on this date. This inquiry lowers my score and suggests I sought credit I did not request. Such reporting without my permission is harmful and misleading. 
Instruction : Delete this inquiry. 

XXXX XXXX XX/XX/XXXX Law : FCRA 604 Issue : Unauthorized pull.

Story : I never applied with XXXX, yet this inquiry suggests I was actively seeking credit. This makes me appear risky to lenders and lowers my score unfairly. 
Instruction : Delete this inquiry. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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