Consumer complaint received 2025-09-01 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 submitting this formal complaint to dispute numerous inaccuracies on my credit report that have caused extreme financial harm, emotional distress, and unwarranted damage to my creditworthiness. Despite repeated attempts to correct these issues with the reporting agencies and creditors, these inaccuracies persist, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I demand immediate correction of all errors. 
XXXX XXXX XXXX XXXX, XXXX  XXXX This address has never been mine, yet it appears on my credit report, causing my applications for housing and credit to be questioned. I have faced unnecessary credit denials and additional scrutiny, resulting in lost financial opportunities and severe emotional distress. Reporting inaccurate addresses violates my rights under FCRA 1681i ( a ), and repeated errors indicate negligent reporting practices that have tangible negative consequences. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Multiple variations of this incorrect address create confusion for creditors attempting to verify my residency, increasing the likelihood of mistaken identity and wrongful credit denial. The repetition demonstrates a lack of reasonable procedures under 15 U.S.C. 1681e ( b ) and exposes me to potential fraud risk, miscommunication, and delays in obtaining credit, loans, or housing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, XXXX XXXX : {$950.00} False late payments reported on this account have directly reduced my credit score, increased my loan interest rates, and led to denied credit applications. This misreporting misrepresents my financial behavior and reliability to lenders. Under 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information. This violation has tangible impacts, including financial loss, emotional stress, and reputational damage, and is actionable under FCRA 1681n and 1681o. 
XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance Owed : {$0.00} Reporting late payments on a XXXX-balance account is blatantly inaccurate. This misrepresentation has caused denials of new credit lines and mortgage applications, forced me to spend significant time and effort disputing false information, and caused undue stress. Such reporting violates FCRA 1681s-2 ( a ) and exposes the furnisher to liability for willful or negligent noncompliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance Owed : {$18000.00} Inaccurate late payment reporting on this account distorts my long-term credit history. Lenders perceive me as unreliable due to these errors, causing higher loan interest rates, denial of credit lines, and challenges in securing housing. The repeated reporting constitutes willful violation of FCRA 1681n and demonstrates disregard for my consumer rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance Owed : {$45000.00} Misreported late payments on this older account imply long-term irresponsibility. I have been denied auto loans and mortgage opportunities as a result, creating financial stress and personal hardship. Reporting false late payments violates FCRA 1681s-2 ( a ) and exposes the furnisher to penalties and damages under 1681n and 1681o. 
Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my authorization, violating FCRA 1681b. Unauthorized inquiries reduce credit scores, trigger adverse credit decisions, and create emotional and financial stress. I have had applications denied and been charged higher rates due to these improper inquiries. Such willful violations are actionable under FCRA 1681n and 1681o, entitling me to statutory and actual damages. 
Impact Statement : The cumulative effect of these inaccuracies has caused severe financial and personal harm. I have been denied loans, charged higher interest rates, blocked from credit opportunities, and subjected to identity verification issues, wasted time, and emotional distress. Each misreported address, false late payment, and unauthorized inquiry violates federal law and perpetuates ongoing harm. The systematic nature of these violations indicates negligence or willful noncompliance by both furnishers and reporting agencies. 
I demand immediate correction of all inaccuracies listed above, including deletion of incorrect addresses, correction or removal of false late payments, and removal of unauthorized inquiries. I request written acknowledgment of this complaint and documentation of all actions taken to resolve these violations. Failure to act will leave me with no choice but to pursue further legal remedies, including claims for damages under FCRA 1681n and 1681o.

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