Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
Dear CFPB Officer, I am writing to formally submit a consumer complaint regarding multiple inaccuracies and legal violations found on my credit report. I am a victim of identity theft and unauthorized reporting practices, which have caused severe and ongoing financial and emotional distress. Despite repeated attempts to correct these records, the credit bureaus and furnishers have failed to take proper corrective action. 
Please find the details below, categorized under incorrect addresses, unauthorized accounts, and unauthorized inquiries. I am requesting immediate investigation and corrective action in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This address does not belong to me and has never been associated with my identity or residence history Law : FCRA 605 ( b ), 609 ( c ), 611 Story : I have never lived at this address, nor have I used it for any credit or billing purpose. Its appearance on my credit report may indicate identity confusion or file merging. This incorrect address affects the integrity of my credit file and could cause adverse decisions. I am requesting that this address be immediately removed from all credit reporting agencies. 
XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : Commercial address with no personal or residential link to me Law : FCRA 602 ( a ), 609 Story : I have never lived at or used this business address in any context. Reporting a commercial location as my residence violates the standard for maximum possible accuracy. I am demanding immediate removal. 
XXXX XXXX XXXX Late Payment High Balance : {$6200.00} | Date Opened : XX/XX/XXXX Issue : Inaccurate late payment reporting during hardship period Law : FCRA 611, FDCPA 807 ( 8 ) Story : I communicated with the creditor about financial hardship during the pandemic but never received proper assistance or deferment. Despite this, late payments were reported, severely damaging my credit. This reporting is not only inaccurate but violates the CARES Act and FCRA obligations to report truthful data. 
XXXX XXXX XXXX Late Payment High Balance : {$5900.00} | Date Opened : XX/XX/XXXX Issue : Late payment reporting without considering hardship request Law : FCRA 623 ( a ) ( 1 ) Story : During my period of financial instability, I requested help from XXXX XXXX but my situation was ignored and late payments were reported without a formal notice or investigation. This inaccurate reporting violates my rights and must be corrected. 
XXXX XXXX XXXX XXXXXXXX XXXX Late Payment High Balance : {$5700.00} | Date Opened : XX/XX/XXXX Issue : Failure to provide documentation of delinquency Law : FCRA 609 ( a ) ( 1 ) Story : No evidence or validation has been provided by the credit union regarding any missed payments. Their failure to notify me before reporting derogatory information is a violation of FCRA, and this mark should be removed. 
XXXX XXXX Late Payment High Balance : {$9500.00} | Date Opened : XX/XX/XXXX Issue : Improperly reported late payment while loan was in deferment Law : FCRA 623, Higher Education Act Story : This loan was in deferment under an IDR plan and should not have been marked late. The servicer violated FCRA by failing to report this account accurately, and I demand immediate correction. 
XXXX XXXXXXXX XXXX Late Payment High Balance : {$3500.00} | Date Opened : XX/XX/XXXX Issue : Reporting false delinquency during active payment plan Law : FCRA 611 Story : My payments were being made through an income-based plan, yet the loan was marked late. This not only damaged my credit but shows disregard for borrower rights. 
XXXX XXXX Late Payment High Balance : {$4600.00} | Date Opened : XX/XX/XXXX Issue : Falsely reported delinquency Law : FCRA 611 ( a ) ( 1 ) Story : No late payments were made during the timeframe being reported. I never received any delinquency notice or right to dispute before the report, which violates due process under the FCRA. 
XXXX XXXX Late Payment High Balance : {$6000.00} | Date Opened : XX/XX/XXXX Issue : Reporting errors while under hardship Law : FCRA 607 ( b ) Story : I was in contact with the servicer and was promised review under hardship but they reported me late regardless. This entry has harmed my credit and must be deleted. 
XXXX XXXX XXXX Late Payment High Balance : {$3500.00} | Date Opened : XX/XX/XXXX Issue : Incorrect late payment notation Law : FCRA 609 Story : I was not delinquent on this account. This information is harmful, unverified, and should be immediately investigated and corrected. 
XXXX XXXX XXXX XXXXXXXX XXXX Late Payment High Balance : {$5100.00} | Date Opened : XX/XX/XXXX Issue : Refusal to validate dispute Law : FDCPA 807 ( 8 ), FCRA 623 Story : I submitted a formal dispute and requested validation but received no documentation or response. The company continues to report the account negatively without providing proof of delinquency, which is a violation of my consumer rights. 
XXXX XXXX XXXX  Reference XXXX XXXX XXXX XXXX XXXXXXXX Issue : Incomplete or outdated public record update Law : FCRA 611 ( a ) ( 5 ), 605 ( b ) Story : My bankruptcy was discharged, but not all accounts have been updated accordingly. This failure to report the current legal status misrepresents my credit profile and has caused denial in post-bankruptcy credit rebuilding efforts. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Fraudulent or unauthorized inquiry Law : FCRA 604 Story : I have no connection with XXXX at that time and no reason for this inquiry to appear on my report. I demand its removal. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Duplicate inquiry Law : FCRA 604 Story : This inquiry is redundant and unauthorized. Multiple pulls in a short time by the same company point to misuse of consumer data. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX Issue : Inquiry by third-party without consent Law : FCRA 604, 609 Story : I did not authorize XXXX  to perform a hard inquiry on my credit. This is an example of credit profile abuse and should be deleted immediately. 
Legal Summary & Consumer Rights : All of the above issues violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which grants consumers the right to dispute and have inaccurate, incomplete, or unverifiable information removed within 30 days. It also violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) regarding misleading and unlawful debt collection practices. In addition, the continued failure to correct these inaccuracies despite multiple disputes violates my rights under federal law. 
Relief Requested : Immediate deletion of all fraudulent and inaccurate accounts and addresses. 
Permanent removal of unauthorized hard inquiries. 
A complete and fair reinvestigation by the credit bureaus and furnishers. 
Written confirmation of all corrections made. 
A full report from the original furnishers on how these errors occurred.

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