Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I am submitting this formal complaint regarding numerous inaccuracies on my credit report that are severely affecting my financial standing, creditworthiness, and ability to obtain fair credit. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681i, 1681s-2 ( b ), and other applicable federal laws. I demand immediate investigation and correction of all inaccurate information. Below I have provided details of each disputed item, the applicable law, and an explanation of the factual circumstances. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Incorrect address reported on my credit profile. 
Law : FCRA 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

Story : I have never resided at this address. Its inclusion on my credit report creates confusion, misdirects important correspondence, and exposes me to potential identity theft. This false address may lead creditors to make erroneous assumptions about my stability and location, potentially affecting my loan approvals, insurance rates, and other financial transactions. Despite my repeated attempts to correct such errors, the reporting agency has failed to investigate properly. This constitutes negligence and a clear violation of federal law. Accurate address information is fundamental to my credit record, and its misreporting undermines the integrity of my financial history. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Incorrect address reported. 
Law : FCRA 1681i ( a ) requires CRAs to conduct a reasonable investigation within 30 days of a dispute.

Story : This XXXX XXXX has never been associated with me. The inclusion of this false information misleads lenders and other entities evaluating my creditworthiness. Incorrect addresses can trigger fraud alerts, reduce my eligibility for credit, and damage my professional reputation. The reporting agencys failure to verify this information before listing it violates the FCRA and exposes me to unnecessary risk. Immediate removal is required to restore accuracy and compliance with federal standards. 
Accounts : XXXX Account # XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Late Payment inaccurately reported. 
Law : FCRA 1681s-2 ( b ) obligates furnishers to correct inaccurate information.

Story : This account has been fully paid on time throughout its history. The reporting of a late payment is categorically false. This inaccuracy has lowered my credit score, caused unnecessary denials of credit, and falsely paints a picture of irresponsibility. Falsely reported late payments constitute a material misrepresentation of my financial behavior. I request immediate correction to reflect my timely payments and restore my rightful credit standing. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : False Late Payment reported. 
Law : FCRA 1681i ( a ) ( 1 ) mandates reasonable investigation of disputed data.

Story : I have consistently met all payment obligations for this account. Documentation from my bank confirms on-time payments. Reporting a late payment here falsely implies financial negligence and directly impacts my ability to obtain mortgages, loans, and other credit. The negative effect on my credit profile is unjust and legally impermissible under FCRA. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Incorrect Late Payment. 
Law : FCRA 1681s-2 ( a ) furnishers must provide accurate information.

Story : Every payment for this account has been timely. The reporting of a late payment not only violates federal law but also damages my financial reputation, potentially increasing interest rates and limiting access to credit. This misreporting has tangible financial consequences, making the correction urgent. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Inaccurate Late Payment. 
Law : FCRA 1681s-2 ( b ) furnisher responsibility for accuracy.

Story : Payments have been fully timely. Misreporting a late payment unfairly reduces my credit score, influences lender decisions, and can even affect rental or employment applications that check credit history. This is a material harm directly caused by negligent reporting. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : False Late Payment reported. 
Law : FCRA 1681i ( a ) CRA must investigate disputed items.

Story : Documentation confirms no late payments occurred. The incorrect report is misleading to any third party reviewing my credit report and can result in higher interest rates, denied loans, or other negative financial consequences. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Inaccurate Late Payment. 
Law : FCRA 1681s-2 ( b ).

Story : Payments were fully on time. This false reporting negatively impacts my creditworthiness, leading to potential denial of future credit or financial penalties. The continued presence of this error demonstrates systemic negligence and requires immediate correction. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Incorrect Late Payment. 
Law : FCRA 1681e ( b ), 1681i ( a ).

Story : No late payments exist for this account. The false reporting misrepresents my financial responsibility. Removal and correction are mandatory under FCRA to prevent ongoing harm. 
XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : Chargeoff inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : This account has never been charged off. Reporting it as such misleads lenders, lowers my XXXX XXXX, and violates my rights under federal law. The impact on potential financing opportunities is substantial. 
XXXX Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$8500.00} * * Issue : Late Payment falsely reported. 
Law : FCRA 1681i ( a ).

Story : My records confirm timely payments. The false report directly harms my credit profile and may result in increased interest rates, denied loans, or damage to professional reputation. 
XXXX Account # XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Issue : False Chargeoff. 
Law : FCRA 1681s-2 ( b ).

Story : This account has been fully paid. The inaccurate chargeoff negatively affects lenders perception, credit scoring, and potential interest rates. This misrepresentation violates FCRA and federal consumer protection laws. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} * * Issue : Collection inaccurately reported. 
Law : FCRA 1681s-2 ( b ).

Story : This account is not in collection ; reporting it as such is materially false and unjustly damages my creditworthiness. It may prevent me from obtaining future loans or refinancing opportunities. 
Inquiries : XXXX XXXX XX/XX/XXXX Issue : Duplicate unauthorized inquiry. 
Law : FCRA 1681b.

Story : Duplicate inquiry harms my score and is unlawful. 
XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 1681b.

Story : I never applied for this credit ; reporting it harms my credit score unlawfully. 
I request that all inaccuracies, including false addresses, late payments, charge-offs, collections, and unauthorized inquiries, be immediately investigated, corrected, or removed as mandated by federal law. I further request written confirmation once corrections are made, along with an updated copy of my corrected credit report.

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