Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute multiple inaccuracies and unfair reporting on my Experian credit report. These errors are causing severe damage to my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain maximum possible accuracy. The below-listed accounts and address errors contain false or misleading information that I demand be investigated thoroughly and corrected or removed promptly. Failure to comply with the FCRA 's mandates may result in further legal action. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Issue : Incorrect Address reported on my credit report. This is not my current or previous address. 
Law : Under FCRA 1681e ( b ), credit bureaus must ensure maximum possible accuracy of consumer information, including addresses. Reporting an inaccurate address violates this standard. 
Story : Reporting wrong addresses causes confusion, harms my identity verification, and raises concerns of possible fraud or identity theft. I demand immediate removal of this incorrect address from my credit file to protect my personal information and credit integrity. 
XXXX. XXXX XXXX XXXX, XXXX, TX XXXX Issue : Incorrect Address on credit report, not associated with me. 
Law : FCRA 1681e ( b ) mandates accuracy and relevance of consumer information reported.

Story : This incorrect address has led to mismatches in credit data and may contribute to wrongful denial of credit. It is imperative that this address be deleted from my report immediately. 
XXXX. XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3000.00} Issue : Multiple late payments inaccurately reported on these accounts. I dispute the accuracy of these reported late payments. 
Law : FCRA 1681i requires credit bureaus to conduct reasonable investigations upon dispute and to correct or delete inaccurate information. Furthermore, FCRA 1681e ( b ) requires maximum possible accuracy. 
Story : These late payments have a direct negative impact on my credit score and lending opportunities. I have reviewed my payment history and found discrepancies in the reported dates and amounts. I demand a thorough reinvestigation and correction of these accounts. If the furnisher can not provide proof of these late payments, the entries must be removed. 
XXXX. XXXX  XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$3000.00} Issue : Late payment inaccurately reported. 
Law : Per FCRA 1681i, the burden is on the furnisher and reporting agency to validate reported delinquencies. Failure to validate must lead to deletion of the negative item. 
Story : This account 's late payment is incorrect and not substantiated by any evidence. This inaccurate reporting violates my rights under FCRA and causes unjust harm to my credit profile. I demand correction or deletion immediately. 
XXXX. XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Issue : Late payments reported inaccurately on both accounts. 
Law : FCRA 1681e ( b ) and 1681i require accurate reporting and investigation of disputes. 
Story : These accounts do not reflect my actual payment history. The inaccurate late payments are damaging my credit standing without valid basis. I request immediate reinvestigation and correction of these errors. 
XXXX. XXXX XXXX XXXX a ) Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} b ) Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} c ) Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$530.00} Issue : Late payments reported inaccurately on all three accounts. 
Law : Under FCRA 1681i and 1681e ( b ), I have the right to dispute inaccurate information and to have it corrected or deleted. 
Story : I have verified my payment history with the creditor, and these late payments do not match my records. These false reports unfairly damage my credit score and creditworthiness. I demand prompt reinvestigation and removal of these inaccuracies. 
XXXX. XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$530.00} Issue : Collection account reported inaccurately. 
Law : FCRA 1681i mandates reinvestigation of disputed items. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, reporting inaccurate debts is unlawful. 
Story : This collection account is either invalid or incorrectly reported. I request validation of this debt. If validation can not be provided, the collection must be removed from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$13000.00} Issue : Charge off inaccurately reported. 
Law : FCRA 1681i requires reinvestigation of disputed information and 1681e ( b ) requires accuracy.

Story : This charge off is incorrect based on my payment records and previous communications with the creditor. I demand a thorough investigation and removal of this incorrect charge off entry. 
XXXX. XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} Issue : Late payment inaccurately reported. 
Law : FCRA 1681i and 1681e ( b ) require investigation of disputed data and ensure accuracy. 
XXXXtory : The reported late payment on this account does not align with my actual payment history. I demand correction or deletion of this false negative information. 
XXXX. XXXX XXXX XXXX XXXX Account No : XXXX  Date Opened : XX/XX/XXXX High Credit : {$670.00} Issue : Late payment inaccurately reported. 
Law : Per FCRA 1681i and 1681e ( b ).

Story : This late payment is not accurate. I have consistently made timely payments. Please verify with the creditor and update my credit report accordingly. 
XXXX. XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} Issue : Collection account reported incorrectly. 
Law : FCRA 1681i and FDCPA 1692e and 1692f regarding accurate debt reporting.

Story : This collection account is disputed and I demand validation. Without proper proof, it must be removed immediately to prevent further damage. 
I hereby request a prompt, thorough, and fair reinvestigation of all the above-listed inaccurate, incomplete, and misleading information on my credit report pursuant to the Fair Credit Reporting Act. I demand correction or deletion of all inaccuracies to restore my creditworthiness and prevent continued harm. Failure to comply within the statutory XXXX period will compel me to pursue further legal remedies, including complaints to the Consumer Financial Protection Bureau and possible litigation.

Please send me written confirmation of your investigation results and the corrective actions taken. 
Thank you for your immediate attention to this matter.

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