Consumer complaint received 2025-11-08 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 filing this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute and seek correction or deletion of any information that is incomplete, inaccurate, or unverifiable. The continued presence of these items has caused, and continues to cause, harm to my credit reputation, financial opportunities, and personal credibility. I request immediate investigation, correction, or deletion of the following items : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address This address has never been used by me for any legal or financial purposes. Reporting it inaccurately creates a misleading history that can affect future credit approvals or financial decisions. Its continued presence is unacceptable under FCRA. I request immediate deletion and correction. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$570.00} Late Payment I dispute the reported late payment. I have consistently made all required payments on time. Reporting a late payment is factually incorrect and misleading to lenders reviewing my creditworthiness. This false status may have negatively affected my credit score, limited my ability to access favorable credit terms, and caused undue stress. I request immediate correction of the payment history to accurately reflect my timely payments. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Late Payment I have never missed or delayed a payment on this account. The reported late payment is inaccurate, unverified, and harmful to my financial reputation. This error can result in misjudgment by lenders and is a direct violation of FCRAs accuracy requirements. I demand immediate correction of this accounts payment history to reflect the truth. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1600.00} Charge Off I have no knowledge of this account. Its reporting may be the result of fraud, identity theft, or misattribution. Under FCRA 1681i, any unverifiable account must be deleted immediately. Maintaining this charge-off on my credit report is damaging, misleading, and unacceptable. I request deletion of this account and written confirmation of removal. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never made a late payment on this account. The reported late payment is false, harmful to my credit standing, and misleading to lenders. Such inaccurate reporting constitutes a violation of FCRA and must be corrected to reflect accurate payment history. Immediate action is required to prevent further financial harm. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I have no knowledge of this account. Its reporting is inaccurate and unverified. Keeping this item on my credit report damages my financial reputation and violates FCRAs requirement for accuracy. I demand immediate deletion and written confirmation. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I do not recognize this account. Reporting it as a charge-off is false and misleading. This item can affect loan approvals, interest rates, and other financial opportunities. I request its deletion under FCRA guidelines. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have always paid on time. Reporting a late payment is factually incorrect and damaging to my credit profile. It violates my rights under FCRA, and I demand immediate correction. 
XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$0.00} Late Payment I have never missed a payment on this account. The reported late payment is inaccurate, unverified, and harmful to my credit history. Immediate correction is required to restore the accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I have no knowledge of this account. It may be fraudulent or misattributed. Reporting a charge-off on my credit report without verification is a violation of FCRA 1681i. This inaccurate item negatively impacts my credit profile and may prevent me from obtaining fair credit. I demand immediate deletion of this account. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I do not recognize this account. Its reporting is false and unverified. Maintaining a charge-off status for an account that is not mine is misleading and harmful. I request deletion under FCRA, as unverifiable accounts must be removed from credit reports. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never made a late payment on this account. The reported late payment is inaccurate and misleading. It harms my credit profile and violates FCRA 1681. I demand correction of this accounts payment history to reflect accurate information. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I dispute the late payment. I have always met my payment obligations on time. Reporting an incorrect late payment misrepresents my financial behavior and violates FCRA

1681i ( a ). I request immediate correction of the payment history. I request that all disputed items be verified in accordance with FCRA 1681i ( a ) ( 1
) ( A ). Any information that can not be verified must be deleted immediately. I also request written confirmation of the results of your investigation and an updated credit report reflecting these corrections. Failure to comply may result in further legal action to protect my rights under FCRA.

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