Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
Dear CFPB, I am submitting this formal complaint to bring to your urgent attention the extensive inaccurate, incomplete, and unlawful reporting on my credit file by various creditors and collection agencies. These errors include multiple wrongful late payments, inaccurate charge-offs, improper collections, and incorrect addresses associated with my credit accounts. Despite numerous attempts to resolve these issues directly, these inaccuracies continue to severely harm my creditworthiness and violate federal consumer protection laws. 
Detailed Account Issues and Applicable Laws : 1. Incorrect Addresses Reported XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX7 Issue : These addresses are incorrectly reported on my credit report for various accounts, which misrepresents my residence history and may cause confusion among creditors.

Relevant Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Credit reporting agencies must maintain maximum possible accuracy. Reporting wrong addresses violates this duty. 
2. DEPT OF EDXXXX ( Multiple Accounts ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues : Multiple late payments reported on accounts opened between XXXX and XXXX with varying balances ( {$5500.00} to {$8000.00} ) Some accounts show conflicting balance and late payment information. 
Relevant Laws : FCRA 1681i Duty to conduct a reasonable reinvestigation upon dispute. Failure to correct inaccurate late payments breaches this. 
Fair Debt Collection Practices Act ( FDCPA ) 1692g Requires debt validation ; inaccurate reporting constitutes a violation. 
XXXX. XXXX / XXXX XXXX XXXX XXXX ( Multiple Accounts ) Account NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Issues : Incorrect late payments reported on accounts opened in XXXX and XXXX with balances ranging from {$500.00} to {$8500.00} Failure to update account status accurately after payments or disputes. 
Relevant Laws : FCRA 1681s-2 Obligation to update or correct inaccurate information after notice.

FDCPA 1692e Prohibition on false or misleading representations. 
Summary of Violations : The inaccurate reporting of late payments and balances on these accounts constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates credit bureaus and furnishers maintain accurate and complete consumer information. 
The failure to validate debts and continued reporting of erroneous information violates the Fair Debt Collection Practices Act ( FDCPA ) protections against deceptive and unfair collection practices. 
Reporting wrong addresses further damages my credit reputation and misleads creditors, contrary to the FCRAs accuracy requirements. 
Requested Relief : I request the Consumer Financial Protection Bureau to : 1. Investigate these widespread violations thoroughly.

2. Require the involved creditors and credit reporting agencies to correct all inaccurate late payments, balances, and addresses on my credit report.

3. Ensure the removal of any unverified or improperly reported collections and charge-offs.

4. Enforce penalties against any entities found violating federal laws. 
These errors have caused significant harm to my financial standing, and I expect swift and decisive action to restore the accuracy and fairness of my credit file. 
Thank you for your attention to this matter. Please contact me if you require any further documentation or information.

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