Consumer complaint received 2025-09-25 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:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to formally dispute multiple inaccuracies appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information I believe to be incorrect, incomplete, or unverifiable. I demand that all inaccurate information be investigated, corrected, and permanently removed from my credit file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address. This address is completely unrelated to me. Its inclusion has caused lenders to question my residency history, delayed processing of applications, and negatively impacted my overall creditworthiness. Reporting false addresses violates my rights under FCRA 1681i, and I demand immediate correction. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address. I have no connection to this location, yet it is reported as if I lived there. This has led to significant confusion, unnecessary fraud alerts, and potential identity verification issues. Under FCRA 1681i ( a ), I request the deletion of this address and notification to all relevant creditors and agencies of its inaccuracy. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$570.00} Late Payment. I have never been late on this account. The reporting of a late payment has caused my XXXXredit score to drop, delayed approvals for financial assistance, and created undue stress. Under FCRA 1681s-2 ( b ), furnishers must report accurate information, and this false late payment is a violation. I demand immediate removal of this inaccuracy. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$300.00} Late Payment. I have always maintained timely payments on this account. The inaccurate reporting of late payments has resulted in higher interest rates, loan denials, and personal financial hardship. FCRA 1681i ( a ) requires investigation of disputed information, and I demand deletion of this erroneous report. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1600.00} Charge Off. This account has been falsely reported as a charge off. I have never defaulted on this account. The false reporting has significantly harmed my credit profile and violated my rights under FCRA 1681i. I request immediate investigation and removal of this charge off. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment. This account shows late payments that never occurred. The reporting of false late payments has caused financial institutions to question my reliability, affected my ability to obtain new credit, and caused emotional distress. Under FCRA 1681s-2 ( b ), all reporting must be accurate and verifiable. I demand deletion of this misinformation. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. I dispute the reported charge off, as it is completely false. Its inclusion has resulted in loan denials, increased financial scrutiny, and reputational harm. FCRA 1681i ( a ) mandates that unverifiable or inaccurate information be removed promptly. I request immediate correction and deletion of this false information. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. I have never defaulted on this account, yet it is falsely reported as a charge off. This incorrect reporting has caused financial harm, delayed approvals for loans and services, and negatively impacted my credit reputation. Under FCRA 1681i ( a ), unverifiable or inaccurate information must be removed. I demand immediate deletion of this false charge off. 
XXXX XXXX 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 false reporting has led to a drop in my credit score, increased scrutiny from lenders, and unnecessary stress. FCRA 1681s-2 ( b ) requires accurate reporting by furnishers, and this violation must be corrected immediately. 
XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$0.00} Late Payment. This account has been inaccurately reported with late payments that never occurred. The false information has caused financial inconvenience, potential loan denial, and emotional distress. Immediate correction and removal are required under FCRA 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. I dispute this charge off as entirely inaccurate. Its reporting has negatively affected my creditworthiness, caused delays in financial transactions, and violated my rights under FCRA 1681i. I demand immediate deletion. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off. This account is falsely reported as charged off. I have met all obligations and have never defaulted. Reporting this false information is a violation of FCRA 1681s-2 ( b ), and I request immediate removal. 
XXXX XXXX  XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment. I have never missed a payment on this account. The false reporting has negatively affected my ability to access credit and has caused undue stress. This violates FCRA 1681s-2 ( b ), and I request immediate deletion of this inaccurate information. 
XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$200.00} Charge Off. I dispute this charge off as entirely false. Its reporting has harmed my credit reputation, delayed loan approvals, and caused emotional and financial distress. FCRA 1681i ( a ) requires immediate correction. 
These inaccurate reports, late payments, charge offs, and unauthorized inquiries have caused substantial financial harm, including denial of credit, higher interest rates, delays in financial approvals, unnecessary investigations, and severe emotional distress. Under FCRA, I am entitled to accurate reporting and am exercising my right to demand immediate correction and deletion of all disputed items. I expect verification of all accounts and inquiries, and any unverifiable or inaccurate information must be permanently deleted from my credit report within the timeframe mandated by 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