Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report that are causing severe financial, personal, and emotional harm. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate, incomplete, or unverifiable information. I demand immediate correction or removal of all disputed items. 
WRONG ADDRESSES XXXX XXXX, XXXX, XXXX This address is falsely attributed to me. I have never lived at or been associated with this property. Its inclusion has led to misidentification by lenders, delayed loan approvals, and increased interest rates. The false reporting of this address violates FCRA 1681i and demonstrates a failure of the credit bureau to maintain accurate and verified consumer information. The stress caused by repeated misidentifications and unnecessary inquiries has affected my ability to manage my finances effectively and has caused significant emotional distress. 
ACCOUNTS WITH DISPUTED INFORMATION XXXXXXXX XXXX Open Date : XX/XX/XXXX High Balance : {$410.00} Late Payment The reported late payment is false. I have documented proof of timely payments. This inaccurate reporting has lowered my credit score, limited access to financial products, and caused undue stress and anxiety over my financial situation. Misreporting late payments constitutes a violation of FCRA 1681s-2 ( b ). The negative reporting has already impacted my ability to secure competitive interest rates and has created unnecessary barriers to financial stability. 
XXXXXXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX High Balance : {$1100.00} Late Payment The reported late payment is false. I have consistently made my payments on time and maintain records to prove compliance. The inaccurate late payment has unfairly reduced my credit score, negatively impacted my loan applications, and caused undue anxiety over my financial reputation. This reporting violates FCRA 1681s-2 ( b ) and creates unnecessary financial barriers. The stress and reputational damage resulting from this misreporting have impacted my ability to secure housing and fair loan terms. 
XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX High Balance : {$350.00} Late Payment The reported late payment is inaccurate. I have documented evidence proving timely payments. This false reporting negatively affects my credit score, access to financial services, and overall financial stability. The continued misreporting violates FCRA 1681s-2 ( b ) and demonstrates negligence by both the creditor and credit bureau . The consequences include denied or delayed credit, financial strain, and emotional distress from dealing with incorrect information. 
These inaccuracies collectively result in measurable harm, including denial of loans, higher interest rates, limitations on housing or employment, and significant stress and anxiety. I request a thorough investigation of each disputed item and immediate correction or removal. Failure to correct these violations within the legally required timeframe will compel me to pursue all remedies under FCRA, including statutory and actual damages, attorney fees, and other relief. Credit reporting agencies and furnishers are legally obligated to maintain accurate information, and failure to do so constitutes violation of 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