Consumer complaint received 2025-09-10 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 Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccurate addresses and account information appearing on my credit report, which are causing significant harm to my creditworthiness. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies maintain accurate and complete information. Under FCRA 1681i, I have the right to dispute inaccurate information and require reinvestigation of any disputed item. The CFPB has the authority to ensure that these violations are corrected and that my rights under federal law are fully enforced. 

Address Disputes XXXX XXXX XXXX XXXX XXXX, CA XXXX I dispute this address as completely false. I have never lived at or used this location for any financial purpose. It appears to have been mixed into my file due to inaccurate reporting from a third party. FCRA 602 ( A ) emphasizes that consumer reports must be fair and equitable, but linking me to an unrelated property is neither fair nor accurate. Unless you can provide original, signed, and verifiable residency documentation, this address can not legally remain. Failure to remove this entry shows noncompliance with your duty to reinvestigate properly. I require deletion. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is erroneous and entirely unrelated to me. I have never lived there, and no legitimate documentation exists linking me to it. Under the law, you are required to delete unverifiable data after a consumer dispute, yet this item remains after multiple investigations. Reporting false personal information creates reputational damage and impairs my ability to maintain fair credit. It is your duty to prevent such inaccuracies. If this address is not removed immediately, it will constitute a knowing violation of FCRA 616 and 617, exposing you to liability. 

Account Disputes DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$3900.00} * * This account is reporting late payments that are not accurate or verifiable. Despite multiple disputes, no original payment records, signed contracts, or account statements have been provided to justify the reporting. Under FCRA 611, you must conduct a reasonable reinvestigation and obtain documentation directly from the furnisher, not rely on automated data. By continuing to report unverifiable lates, you are damaging my credit unfairly, which violates FCRA 602 ( A ). If the creditor can not produce proof, this account must be corrected or deleted. Continuing to report false payment history is unlawful and negligent. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2300.00} * * This account is also inaccurately reporting late payments. I have disputed this multiple times, yet no valid verification has been provided. Under the FCRA, information that can not be verified must be removed immediately. Simply marking it as verified without proof is not compliance with federal law. Consumers have the right to accuracy, and false late-payment notations severely damage my credit standing. If you can not provide concrete evidence, such as billing records and signed agreements, the item must be deleted. Continuing to report unverifiable negative data constitutes willful violation under FCRA 616 and 617.

I request that the Consumer Financial Protection Bureau ( CFPB ) ensure all inaccurate addresses and account information listed above are immediately corrected or deleted in compliance with the FCRA. I have attached supporting documentation including proof of residence, account statements, and prior dispute letters. Continued reporting of inaccurate information after my disputes constitutes a violation of federal law and subjects the reporting agencies and furnishers to legal liability. I request CFPB intervention to guarantee that reinvestigation is completed promptly and that written confirmation of all corrections is provided.

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