Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
To Whom It XXXX Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies for reporting inaccurate and unverifiable information on my consumer credit file which is causing significant harm to my financial well-being and reputation the items listed below include incorrect addresses late payment history and an unauthorized inquiry all of which I am disputing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ) and I request immediate reinvestigation and correction of these issues. 
XXXX XXXX XXXX XXXX, CA XXXX Address Law : FCRA Section 609 ( c ) ( 1 ) ( A ), 15 U.S.C. 1681g Issue : This address is not my current or previous address and its inclusion is inaccurate Story : I have no known connection to this address and request immediate deletion from all reporting databases XXXX  XXXX XXXX * * * * Late Payment * * Law : FCRA Section 605 ( b ), 15 U.S.C. 1681c ; Section 607 ( b ) Issue : This account is reporting a late payment that is inaccurate and damaging my score despite the balance being {$0.00} Story : I made timely payments on this account and fulfilled my obligation. The {$0.00} balance shows closure or payoff, so any delinquency record should be removed to reflect factual payment history XXXX XXXX XXXX * * * * * * * Late Payment * * Law : FCRA Section 607 ( b ), 15 U.S.C. 1681e ( b ) Issue : This account is incorrectly flagged with late payment while I was under an active promotional or deferred program XXXX : I had a payment arrangement that protected me from delinquency being reported. The current late payment data is misleading and should be corrected or removed XXXXXXXX XXXX XXXX XXXX * * * * * * * * * Late Payment * * Law : FCRA Section 607 ( b ), 15 U.S.C. 1681e ( b ) ; Section 611 ( a ) Issue : Late payment listed even though balance is {$0.00} and the vehicle was voluntarily returned under mutual agreement XXXX : This account should not reflect late payment after resolution and balance payoff. I respectfully request correction or deletion of the delinquency notation XXXX XXXXXXXX XXXX Late Payment * * Law : FCRA 15 U.S. Code 1681s-2 ; Section 611 ( a ) Issue : This account was paid in full through auto-pay and should not have been flagged for any late history Story : I dispute the derogatory reporting on this account, which is fully paid and should reflect positively. This negative mark is false and harmful XXXX XXXXXXXX Late Payment * * Law : FCRA Section 607 ( b ) ; 15 U.S. Code 1681e ( b ) Issue : The account is showing late payment despite a balance of {$0.00} indicating resolution Story : I completed all payments as agreed and the reporting of late payments after account resolution is unjust and misleading. Kindly remove all negative indicators Under the FCRA I am entitled to a full and fair reinvestigation of these disputed items and expect all supporting documentation used to verify this information to be sent to me if the information can not be verified it must be deleted immediately from my credit report I respectfully request that the credit reporting agency completes this reinvestigation within the XXXX timeframe as required under 15 USC 1681i and provides a written response upon completion if this matter is not resolved I will not hesitate to escalate this issue further through the CFPB and XXXX legal channels including civil liability under 15 USC 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