Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
I am filing this complaint because I have found multiple serious inaccuracies on my Experian credit report that I have already attempted to dispute directly with the credit bureau, but they have failed to take proper corrective action. I am requesting CFPB 's assistance to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld and that these erroneous entries are promptly investigated and removed.

First, there are two addresses on my Experian credit report that are completely inaccurate and should not be associated with my identity. The addresses XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX are not mine, and I have never lived at these locations. Their presence on my credit file is both misleading and potentially harmful. The FCRA 607 ( b ) requires Experian to follow reasonable procedures to ensure the maximum possible accuracy of the information it includes in a consumer report. Including wrong addresses violates this obligation and puts me at risk of identity confusion or fraud.

Additionally, I have reviewed several accounts with late payment notations that are inaccurate or unverifiable. XXXX XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$530000.00} ) is reporting a late payment. This is a new loan, and no payment was even due during the timeframe they have marked as late. This false report is gravely damaging my credit. Similarly, multiple XXXX  accounts including Account # : XXXX ( Opened : XX/XX/XXXX, Balance : {$39.00} ), XXXX ( Opened : XX/XX/XXXX, Balance : {$53.00} ), XXXX ( Opened : XX/XX/XXXX, Balance : {$120.00} ), and XXXX ( Opened : XX/XX/XXXX, Balance : {$110.00} ) are showing late payments for small loans that were either paid off early or never late at all. These inaccuracies suggest that Experian failed to verify the accuracy of these entries as required under FCRA 611.

Furthermore, my XXXX XXXX XXXX ( Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$15000.00} ) is showing a late payment that is not accurate. The vehicle tied to this account was voluntarily surrendered, and no further payments were due after that. This account should not be reflecting ongoing negative information. 

The XXXX XXXX XXXX XXXXXXXX ( Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$13000.00} ) also shows a late payment that I dispute. There were communication issues with the creditor during a financial hardship period, but I was told the account was placed in forbearance. If so, reporting it as late is a violation of my agreement with the lender. 

The XXXX ( Account # : XXXX, Opened : XX/XX/XXXX, Balance : {$800.00} ) and the XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX also show late payments. However, these accounts were closed in good standing or had payments made on time. The inclusion of late notations misrepresents my payment history, violating FCRA 605 ( b ) as these items are not being reported with maximum accuracy.

In addition to the incorrect accounts and addresses, there are also multiple unauthorized hard inquiries on my credit report, which I never consented to. These include : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX These inquiries are damaging to my score and were never authorized by me. The FCRA 604 ( a ) ( 3 ) permits access to consumer reports only for permissible purposes. These companies have accessed my report without such a purpose or my consent, violating that statute.

Despite my efforts to correct these errors through XXXX dispute process, the bureau has responded with generic results and failed to conduct any real investigation, which violates FCRA 611 ( a ) ( 1 ) ( A ). I am now requesting the Consumer Financial Protection Bureaus assistance to compel Experian to : Remove the incorrect addresses.

Correct or delete all inaccurate late payment notations.

Remove all unauthorized inquiries.

Reinvestigate each disputed item in compliance with the law.

These inaccurate and damaging entries are affecting my ability to obtain credit, housing, and financial security. I am simply asking for a fair and lawful resolution in accordance with my rights under the Fair Credit Reporting Act.

Thank you for your attention to this matter.

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