Consumer complaint received 2025-09-23 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: MA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report is showing inaccurate, incomplete, and unverifiable information that is severely damaging my creditworthiness and financial stability. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 602 ( A ), 604, 607 ( B ), 611, and 623, I have the right to an accurate and fair credit profile and to dispute any account or inquiry that can not be verified with proper documentation. I have already disputed these items with the credit bureaus but they continue to appear on my report without a proper reinvestigation or proof of accuracy, which is a direct violation of FCRA and my consumer rights. I am requesting CFPB intervention to force the bureaus and furnishers to comply with the law and permanently delete or correct these accounts and inquiries if they can not be verified in full compliance with federal law.

ADDRESSES XXXX XXXX XXXX XXXX, MA XXXX This address is completely inaccurate and should not be on my credit report under any circumstance. I have never lived here, never received mail here, and have no verifiable connection to this location. Reporting an unrelated address violates FCRA Section 604 because it allows potential creditors and debt collectors to view misleading information about me, which may result in adverse decisions. The continued reporting after my prior disputes shows that you are not conducting a proper reinvestigation as required under FCRA Section 611 ( a ) ( 1 ). I am requesting that you provide me with a description of the procedure you used to verify this address, including the name and contact information of the furnisher that verified it, as required by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). If you can not verify with certified documentation, this address must be permanently removed. Leaving it on my report after multiple disputes constitutes reckless disregard for accuracy. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$420.00} The late payment history reported here is not accurate, and it is misleading potential creditors into believing I have a pattern of delinquency when that is not true. Under FCRA Section 609, I am entitled to know the method of verification used, including the original records from XXXX XXXX XXXXXXXX proving the exact dates and amounts of alleged delinquencies. If you can not produce signed billing statements or account records proving the accuracy of this negative data, you must delete this tradeline entirely under FCRA Section 611 ( a ) ( 5 ). Continuing to report unverifiable derogatory data is considered negligent under FCRA Section 607 ( b ). This account may also be reported in a way that violates FCRA Section 623 ( a ) ( 1 ) if the furnisher knows or should know it is inaccurate. Failure to correct after multiple disputes constitutes willful noncompliance under FCRA Sections 616 and 617 and exposes you to statutory damages. I request full reinvestigation, deletion if not fully verifiable, and a copy of my updated report. 

AFFIRM XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reporting a late payment on an account that shows {$0.00} balance is misleading and not complete information, which violates FCRA XXXX XXXX ( b ). The account status must reflect the true state of the account. If the account is closed and paid, there should not be a derogatory late mark remaining unless XXXX provides full documentation proving the late payment date and notice given. I demand that you reinvestigate with the furnisher, provide me with their written verification, and delete the derogatory notation if they can not substantiate it. Reporting misleading negative information on a zero-balance account creates harm by unfairly lowering my credit score and is a direct violation of my right to maximum possible accuracy. Continued reporting may also violate FCRA Section 623 ( a ) ( 2 ), which obligates furnishers to correct and update information that is no longer accurate. This item must be updated or removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} The late payment reporting for this account is inaccurate and must be corrected or removed. Under FCRA Section 623 ( a ) ( 1 ), furnishers may not report information they know or should know is inaccurate. I demand a reinvestigation including original payment history directly from XXXX XXXX. If they can not provide the exact dates of payment and delinquency, this account must be permanently deleted under FCRA Section 611 ( a ) ( 5 ). Reporting false delinquencies damages my credit score and my ability to qualify for loans and better interest rates. Failure to act after multiple disputes is considered willful noncompliance and I reserve the right to seek legal remedies including statutory damages.

I am demanding that the CFPB investigate these accounts and inquiries and hold the credit bureaus and furnishers accountable under FCRA 602 ( A ), 607 ( B ), 611, and 623 as well as FDCPA validation requirements where applicable. If these items can not be verified with full compliance to federal law, they must be permanently deleted from my credit report. The continued reporting of unverifiable or inaccurate information is harming me financially and emotionally, and I request CFPB enforcement to protect my rights as a consumer.

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