Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
I am submitting this complaint to report serious inaccuracies, duplicate accounts, unverifiable information, and mixed file issues on my Experian credit report. Despite multiple disputes, Experian continues to report false, outdated, and damaging information. I am requesting the CFPB 's intervention to hold Experian accountable under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
ACCOUNTS WITH ISSUES XXXX XXXX XXXX High Balance : {$1900.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Late payments are being reported without substantiated proof or verification of delinquency. 
Law : FCRA 607 ( b ) Requires maximum possible accuracy ; FCRA 611 ( a ) Failure to conduct proper reinvestigation.

Story : I disputed this account due to unverified late payments that do not match my payment records. During a period of financial hardship, I requested support and made partial payments, but Experian continues to report me as delinquent without providing any validation or written contract showing late status. 
XXXX XXXX High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : Charged off without proof of valid contract, terms, or billing statements. 
Law : FCRA 609 ( a ) ( 1 ) Right to information ; FDCPA 809 ( b ) Right to debt validation.

Story : This debt was never validated or supported with original documents. I never received full statements, and the creditor failed to respond to my verification request. Experian ignored my disputes and verified it without evidence. This account is damaging my credit unfairly and unlawfully. 
XXXX XXXX XXXX High Balance : {$1200.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Late payments reported despite payment arrangement and hardship plan in place. 
Law : FCRA 607 ( b ), FCRA 611 ( a ) Story : I enrolled in a hardship plan due to loss of income during the COVID period. XXXX XXXX agreed not to report delinquencies. Experian failed to recognize this agreement and kept reporting me late, which is a violation of fair reporting practices. 
XXXX XXXX XXXX High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Late payments are showing repeatedly without any documentation or due process. 
Law : FCRA 611 ( a ), FCRA 607 ( b ) Story : I requested supporting documentation to verify the late payment claims, but none were provided. This account negatively affects my score with no factual backup, and Experian has not reinvestigated properly even after multiple disputes. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$570.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : New account reporting late payment within weeks of opening, which is factually incorrect. 
Law : FCRA 607 ( b ), FCRA 602 ( A ) Story : I opened this account recently and never missed any payment. It's impossible to have a late status so soon. This is a clear example of false reporting or file confusion. My Experian report may be mixed with someone else 's. 
XXXX XXXX XXXX High Balance : {$2100.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Duplicate account reporting with different high balance and dates. 
Law : FCRA 611 ( a ), FCRA 605 ( b ) Story : The same XXXX XXXX account is being reported multiple times under different entries, which is a form of duplicate reporting. This results in artificially lowered credit scores and violates my rights as a consumer to fair reporting. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$250.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Late payment reported during a federally approved deferment period. 
Law : FCRA 607 ( b ), Higher Education Act Story : My federal student loan was in deferment, and no payments were required at the time. Yet Experian reported it as late, which is not only false but also harmful to my student borrower protections. They ignored the deferment status in my dispute. 
XXXX XXXX XXXXXXXX XXXX XXXXigh Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Duplicate reporting of the same loan with different balance. 
XXXX : FCRA XXXX ( a ), FCRA XXXX ( b ) Story : This is a duplicate tradeline of the previous entry with different data, which clearly indicates inaccurate reporting. This error has caused unnecessary harm and confusion in my credit file. 
XXXX XXXX * High Balance : {$720.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : False late payment reported despite auto-payment being successful. 
Law : FCRA 607 ( b ), 15 USC 1681s-2 ( a ) Story : My XXXX account was always paid on time through automatic withdrawal. I submitted my bank statements showing timely payments, yet Experian refused to update the report. This harms my credit history based on false data. 
INCORRECT ADDRESS XXXX XXXX XXXX XXXX, NY XXXX Issue : This address is not associated with me in any personal, professional, or financial capacity. 
XXXXaw : FCRA 609 ( c ) ( 2 ) ( E ), FCRA 607 ( b ) Story : Experian has included this address in my credit file despite having no connection to it. This may be due to a mixed file or identity confusion. I have never resided or worked at this location, and its presence raises concerns about the accuracy and integrity of my file. 
REQUESTED ACTIONS Under FCRA 611 ( a ), I demand that Experian immediately conduct a proper reinvestigation of all accounts, addresses, and inquiries listed above. I request complete validation documents for each tradeline, removal of any unverifiable or inaccurate data, and confirmation of the method of verification used. If Experian can not prove accuracy with original documentation and permissible purpose, I demand the permanent deletion of the disputed entries. 
Experians continued failure to correct these errors after formal disputes reflects willful noncompliance with federal law. These inaccuracies have caused substantial harm to my creditworthiness, emotional stress, and financial loss. I respectfully request the CFPB to intervene and ensure Experian is held accountable under federal law.

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