Consumer complaint received 2025-08-23 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:
To Whom It May Concern, I am writing to formally file a complaint regarding multiple inaccuracies and unlawful reporting on my credit report that have caused significant financial and emotional harm. Despite my prior attempts to correct these issues, the reporting errors persist. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand immediate investigation and correction of these violations. 
Wrong Addresses Issue : My credit report contains multiple addresses that are entirely incorrect and have never been associated with me : XXXX XXXX XXXX, XXXX, MI XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX, MI XXXX ( XX/XX/XXXX ) Law : 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain procedures to ensure maximum possible accuracy of all information reported. 
Story : I have never resided at any of these addresses, yet they repeatedly appear on my credit report. The incorrect listing of these addresses has directly led to loan denials and account rejections, with lenders questioning my identity and stability. I have provided identification and proof of residence multiple times, but the bureaus continue to neglect their legal obligation to correct these false entries. This persistent failure demonstrates a blatant disregard for the FCRA and has caused tangible harm, including increased stress, denial of fair credit, and damage to my financial reputation. 
Late PaymentXXXX XXXX XXXX XXXX XXXXcct : XXXX, Opened : XX/XX/XXXX, Balance : {$3300.00} ) Issue : Reported late payments are inaccurate. 
Law : FCRA 1681i ( a ) requires credit bureaus to investigate disputed information and remove inaccuracies promptly. 
Story : I have consistently made on-time payments for this account. Despite providing bank statements and payment confirmations to both the creditor and the credit bureau, this account incorrectly shows late payments. These false entries have caused an unjust reduction in my credit score, affecting my ability to qualify for low-interest loans. The repeated inaccuracy demonstrates negligence and a failure to uphold federal credit reporting standards. 
XXXX XXXX ( Acct : XXXX, Opened : XX/XX/XXXX, Balance : {$65000.00} ) Issue : Multiple late payments listed that are untrue. 
Law : FCRA 1681i ( a ) mandates proper investigation and correction of disputed information.

Story : This account represents a significant portion of my education debt. I have always maintained regular, documented payments according to the agreed-upon schedule. Nevertheless, the report incorrectly reflects late payments, impacting my financial credibility and resulting in higher interest rates for potential refinancing. Repeated attempts to correct this information with the lender and credit bureaus have been ignored, which demonstrates a continued violation of FCRA protections and causes ongoing financial and emotional stress. 
XXXX XXXX ( Acct : XXXX, Opened : XX/XX/XXXX, XXXX : {$0.00} ) Issue : Incorrectly reported late payment. 
Law : FCRA 1681e ( b ) requires maximum possible accuracy in reporting. 
Story : This account has a XXXX balance, and I have consistently met all payment obligations on time. Reporting a late payment on a XXXX-balance account is patently false and has negatively affected my creditworthiness. This erroneous reporting shows clear disregard for federal credit reporting laws and causes real-world consequences, such as denial of auto loans, higher insurance premiums, and unnecessary personal stress. 
Unauthorized and Inaccurate Inquiries Issue : Numerous inquiries appear on my credit report that I did not authorize or are inaccurately listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 604 ( a ) limits access to credit reports to authorized purposes only, and 1681i ( a ) requires proper investigation of disputed inquiries. 
Story : Many of these inquiries are unauthorized or inaccurate. They collectively lower my credit score and misrepresent my financial behavior, giving lenders a false impression that I am actively seeking credit, which is not true. Despite filing multiple disputes and contacting the reporting entities, these inquiries remain uncorrected. Each unauthorized inquiry is a violation of federal law and has tangible consequences, including higher interest rates, denial of credit, and undue stress. The failure of both creditors and credit bureaus to address these issues is unacceptable and legally actionable. 
Conclusion The combination of false addresses, inaccurately reported late payments, and unauthorized inquiries has caused me significant financial and personal harm. These are clear violations of the FCRA and related federal statutes. I demand immediate correction and removal of all inaccuracies. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights. I expect confirmation of receipt and a detailed timeline for resolution.

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