Consumer complaint received 2025-08-09 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 regarding inaccurate and unauthorized information being reported on my credit file. The following addresses, inquiries, and account details are being reported in error. These items are harming my creditworthiness, causing financial and emotional distress, and are in violation of federal consumer protection laws. I have already contacted the credit bureaus regarding these inaccuracies, but they have failed to properly investigate and correct the errors. I am now seeking the CFPBs assistance in ensuring my rights are protected under the law and that these items are removed immediately. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 602 ( A ), 607 ( B ) The bureau must maintain maximum possible accuracy and can not report outdated or incorrect personal information Issue : This address does not belong to me and is being falsely associated with my profile Story : I have never lived at or been associated with this address ; it is inaccurate and must be removed immediately to prevent confusion or fraudulent linkage XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 602 ( A ), 607 ( B ) Personal identifiers must be accurate and verifiable Issue : This is a completely wrong address tied to my credit file without my authorization Story : I have no connection to this location ; keeping this on my report risks identity confusion and violates the duty to report accurate personal information ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Chargeoff * * Law : FCRA 602 ( A ), 607 ( B ), 611 Unverified or inaccurate accounts must be corrected or deleted after dispute Issue : The reported charge-off is inaccurate and unverifiable Story : The creditor has failed to provide proof of the debt or my responsibility for it ; without proper verification, this entry can not legally remain on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 Inaccurate payment history must be removed if unverifiable Issue : Late payment record is inaccurate and not validated by the furnisher Story : I dispute the reported late payments ; the creditor has not provided proper documentation or payment records, making this negative mark unverifiable XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 Data furnishers must provide proof of accuracy Issue : The late payment is reported in error as no such delinquency occurred Story : I have maintained timely payments on this account ; the record is incorrect and damages my payment history unfairly XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Late Payment * * Law : FCRA 602 ( A ), 607 ( B ), 611 The bureau must ensure accurate reporting and remove unverifiable late payments Issue : Reported late payment is not backed by proper documentation from the creditor Story : The alleged delinquency is unverified ; creditor has not proven its accuracy and it is harming my credit score The above addresses and inquiries are being wrongfully reported, causing me significant harm. They are lowering my credit score, damaging my ability to obtain fair credit, and creating the impression that I am linked to fraudulent activity or other individuals ' credit histories. These are clear violations of my rights under the FCRA, as the credit bureaus and furnishers are obligated to ensure accuracy and completeness of reported information. I have already disputed these inaccuracies directly with the credit bureaus, providing them with detailed evidence proving these items do not belong to me. However, they have willfully ignored their duty to conduct a reasonable investigation and have instead continued to publish false and harmful data on my credit report. This behavior shows a reckless disregard for the law and my consumer rights. I am requesting that the CFPB compel the credit bureaus and furnishers to immediately remove these inaccurate addresses and unauthorized inquiries, and to confirm the permanent deletion in writing. Additionally, I am requesting an investigation into the practices of the credit bureaus and furnishers involved to ensure they implement proper verification procedures moving forward.

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