Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains multiple false addresses and inaccurate late payment reporting that are harming me financially and personally. These errors are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

The following wrong addresses are being reported : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Wrong Address This address does not belong to me, I have never resided there, and I have never used this location for any banking, utility, or credit application. Its presence on my report is a violation of FCRA 607 ( b ). This wrong address creates the false impression that I may have been involved with properties or accounts tied to this location, which is untrue. I have been forced to explain this false information to lenders, which causes embarrassment and loss of credibility. Keeping this address is reckless, inaccurate, and unlawful. 
XXXX XXXX XXXX XXXX GA XXXX ( XX/XX/XXXX ) Wrong Address This Georgia address XXXX completely false. I have no family, job, or connection in Georgia, and yet it has been attached to my report as if I lived there. This is alarming because it suggests serious data errors or possible fraud. As a result, my credit file appears suspicious, and I have already been denied credit because lenders questioned why multiple addresses in different states are listed under my name. This violates FCRA 602 ( A ), which requires fairness and accuracy in consumer reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$870.00} Late Payment * * This account is showing late payments that I fully dispute. The servicer has a history of reporting errors and did not provide proper notice or validation as required by FDCPA 809 ( b ). My payments were either on time or covered under forbearance/repayment agreements, yet the credit report falsely reflects delinquencies. Because of this, my credit score has been unfairly damaged, leading to denials for housing, car loans, and credit cards. This false reporting not only harms my financial stability but also creates emotional stress, humiliation, and long-term consequences that are not justified. 
Overall Harm : Because of these wrong addresses and inaccurate late payments, I am suffering from financial harm, higher interest rates, and denials of credit. Lenders see me as unreliable because of false addresses and late payment marks that do not belong to me. This is unfair, misleading, and unlawful. 
Relief Requested : I request that CFPB require the furnishers and credit bureaus to : 1. Provide full documentation proving the accuracy of each address and each late payment entry.

2. Permanently delete any unverifiable or inaccurate information.

3. Ensure compliance with FCRA 611 ( a ) ( 5 ), which requires removal of unverifiable data.

I respectfully request urgent action and a full investigation into these issues.

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