Consumer complaint received 2025-10-24 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 complaint because my credit report contains serious inaccuracies and reporting errors that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors are damaging my credit profile and causing emotional and financial distress. Despite previous disputes, these issues remain unresolved, and I am requesting immediate investigation and correction by the CFPB to ensure full compliance with federal law. 

Disputed Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These addresses are incorrect and do not belong to me. Reporting wrong addresses violates the accuracy requirement under FCRA 1681e ( b ), as the presence of multiple unrelated addresses suggests possible file mixing or identity confusion. I have provided my correct identifying information in previous correspondence, and retaining false data after prior disputes demonstrates negligence and failure to maintain reasonable procedures. Please remove these immediately from my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account continues to show inaccurate payment history. Reporting a late payment when the balance is {$0.00} and the account has been settled or closed without delinquency is a clear violation of FCRA 1681s-2 ( b ) and 15 U.S.C. 1666a, as creditors are required to furnish only verified and complete data. I demand this entry be corrected or deleted since it has not been verified with proper documentation from the original creditor. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$230.00} Late Payment * * The reporting of this account as late is inaccurate and misleading. I previously requested validation, yet you have failed to provide a signed agreement, transaction record, or written proof verifying my liability. Continuing to report unverifiable information after multiple disputes violates FCRA 1681i ( a ) ( 5 ). The account should be deleted for failure to meet the reinvestigation and accuracy standards required by law. 

I am demanding that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and hold the responsible furnishers and credit reporting agencies accountable. The ongoing reporting of false addresses and incorrect payment history not only damages my creditworthiness but also undermines the integrity of the entire credit reporting system. I request that all inaccurate information be permanently deleted and the reporting entities be directed to comply with all FCRA and FDCPA provisions immediately.

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