Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
b"Dear Consumer Financial Protection Bureau (CFPB)\nI am filing this complaint against various furnishers and credit reporting agencies for inaccurate and harmful information being reported on my credit profile in violation of the Fair Credit Reporting Act (FCRA) 15 U.S. Code 1681 and the Fair Debt Collection Practices Act (FDCPA) I have tried to resolve these issues through direct disputes with the credit bureaus and furnishers but have not received proper resolution the following items are inaccurate unverifiable and harming my credit file job prospects and financial well-being\nXXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nIssue: Completely unknown and unauthorized address in my file\nLaw: FCRA 1681c(a)(4) and 1681e(b)  outdated or unverifiable addresses must be removed\nStory: I have no relation to this address and never lived there this seems to be a result of misreporting or possible identity confusion continuing to show this location violates my rights and suggests the credit bureau is not maintaining reasonable procedures for data accuracy\nXXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\nIssue: Inaccurate and unverifiable address listing\nLaw: FCRA 1681e(b), 1681i  failure to ensure accuracy and investigate disputes\nStory: This address is unfamiliar and never linked to any of my accounts I am concerned this might be from identity theft or a file mix-up my personal and financial information must be protected and credit reporting agencies must remove addresses that cannot be verified as mine\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXnIssue: Reported as charge-off\nLaw: FCRA 1681s-2, FDCPA 807  inaccurate debt status and misleading reporting\nStory: I was impacted by COVID-19 and filed hardship requests which were ignored no notice of default or final demand was given before this was charged off my rights under the CARES Act and FDCPA were denied I never received validation or a chance to cure this debt\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: Late payments reported\nLaw: FCRA 1681s-2(a), 1681i; FDCPA 808  improper reporting during hardship\nStory: I contacted the lender and explained my financial situation due to medical emergency and job loss I made partial payments but was still marked late without any accommodation or explanation they did not respond to written communication and still reported late marks\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Late payment during forbearance\nLaw: Higher Education Act 485A, FCRA 1681s-2\nStory: This student loan was in forbearance at the time of reported late payment I was enrolled in an income-driven plan and communicated regularly with my servicer this reporting is false and harmful\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Incorrect late payments\nLaw: FCRA 1681c-2, Higher Education Act\nStory: During this period, I was approved for deferment and expected no penalties this entry is incorrect and should be deleted for violating student loan reporting standards\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: False late entry\nLaw: FCRA 1681i, 1681s-2\nStory: A small student loan reported as late while I was under administrative forbearance its unfair and misleading as my loan status was not delinquent at the time\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: Late payments reported\nLaw: FCRA 1681s-2(b), FDCPA 807\nStory: I made multiple attempts to arrange payments and avoid delinquency but the creditor rejected my requests and marked me late I was not given flexibility or hardship options despite asking in writing\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Late payments during pandemic\nLaw: CARES Act, FCRA 1681c\nStory: I was under CARES Act protection and my payments were suspended yet the loan servicer still marked me late this directly violates federal guidelines for student loan deferment during national emergencies\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Unverified collection\nLaw: FDCPA 807, 809\nStory: I do not acknowledge this debt and never received proof or details of the original obligation yet it's listed as a collection without fair warning I sent a dispute and no documents were sent in response\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Invalid and unrecognized debt\nLaw: FDCPA 809(b), FCRA 1681i\nStory: I never received any letter or validation this collection is suspicious and may be identity related no original creditor info or breakdown of charges was ever sent\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: No knowledge or validation of debt\nLaw: FDCPA 809, FCRA 611\nStory: I have never received a validation letter or original creditor statement for this account it is being reported without evidence or notice and is harming my creditworthiness and job prospects\nRELIEF REQUESTED:\nI request the CFPB investigate each of these accounts and furnishers and ensure deletion of unverifiable inaccurate and improperly reported information from all consumer reporting agencies I also request written documentation and full validation of each debt as required under law I reserve my right to seek legal counsel if not resolved"

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