Consumer complaint received 2025-08-20 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 formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

ADDRESSES XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Law/Issue : FCRA 604 and 609 require only accurate and verifiable personal information to remain on my credit file. This address is inaccurate and does not belong to me.

Story : I have never lived at or been associated with this address, yet it appears in my credit file and links me to accounts and negative items that are not mine. This creates confusion and misrepresentation of my identity. I demand immediate deletion of this address. 

XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX Law/Issue : FCRA 604 and 609 require bureaus to maintain only verified, correct, and relevant personal information. Reporting inaccurate addresses violates my rights. 
Story : I have no residence history at this location. This erroneous listing misrepresents my personal history and creates false connections with accounts I did not authorize. Please remove this address from my credit file. 

ACCOUNTS XXXX XXXX XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00} Chargeoff * * Law/Issue : FCRA 602A and 623 ( a ) ( 1 ) ( A ) prohibit furnishers and bureaus from reporting inaccurate or unverifiable accounts. A chargeoff requires verified records, which are absent. 
Story : This account is not mine, and I never opened or authorized it. The balance and account details are incorrect, and no signed documentation exists. I demand full deletion from my credit report. 

XXXX Account # : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Chargeoff * * Law/Issue : Under FCRA 609 and 611, I have the right to request and receive verification of accounts. Without verified documentation, this entry is unsubstantiated. 
Story : I never opened or consented to this account. The balance is not valid, and the chargeoff is misrepresenting my payment history. This false reporting is harming my credit and must be deleted. 

XXXX XXXX XXXX. Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Collection * * Law/Issue : FCRA 611 ( a ) gives me the right to dispute any inaccurate or unverifiable information. Failure to provide validation results in unlawful reporting. 
Story : I never opened this account, nor authorized any transactions with XXXX XXXX in the given date. This is either a reporting error or fraud. I demand full deletion of this collection entry. 

INQUIRIES XXXX Date : XX/XX/XXXX Law/Issue : Unauthorized inquiries violate FCRA 604 and constitute an invasion of privacy when no permissible purpose exists. 
Story : I never authorized this inquiry, nor did I apply for a XXXX XXXX account. This inquiry is fraudulent and must be removed from my file. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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