Consumer complaint received 2025-06-07 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: VA

Complaint narrative:
I am writing to file a formal complaint against multiple furnishers and consumer reporting agencies for reporting inaccurate personal information and erroneous account data on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Incorrect Address Reporting Violation of FCRA 1681e ( b ) : The following addresses are being falsely reported on my credit report. I have never lived at these addresses, and their presence is indicative of identity confusion or misreporting : XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX This violates FCRA 1681e ( b ) which mandates consumer reporting agencies to maintain maximum possible accuracy of the information they report. Continuing to report these addresses, even after disputes, is both negligent and harmful to my creditworthiness.

2. Inaccurate Account Reporting : Below are accounts with serious errors, including late payments and charge-offs that I contest as inaccurate or misreported : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments reported High Balance : {$8300.00} Date Opened : XX/XX/XXXX Violation : Failure to maintain accurate payment history. Disputed entries not investigated properly. 
Law : FCRA 1681s-2 ( a ) & 1681s-2 ( b ) XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments reported High Balance : {$6100.00} Date Opened : XX/XX/XXXX Violation : Inaccurate delinquency status. I was not late during the periods reported. 
Law : FCRA 1681i ( a ) XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Both accounts are showing conflicting late payments and balance information. 
High Balances : {$10000.00} ( opened XX/XX/XXXX ), and {$7400.00} ( opened XX/XX/XXXX ) Violation : Duplicate/contradictory reporting, violating accuracy provisions. 
Law : FCRA 1681e ( b ) XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payments reported High Balance : {$3700.00} Date Opened : XX/XX/XXXX Violation : Future-dated account suggests fraudulent or misentered data Law : FCRA XXXX681i ( a ), 1681s-2 ( a ) XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-Off reported High Balance : {$28000.00} Date Opened : XX/XX/XXXX Violation : The charge-off was placed in error. I never defaulted on this account, and I was not notified. 
Law : FCRA 1681c ( a ), FDCPA 807 ( 8 ) Narrative and Harm : These errors are not only legally noncompliant, but they have also caused significant emotional distress, denial of credit, and damage to my reputation. I have attempted to resolve these disputes directly with the credit bureaus and furnishers, but they have failed to correct or properly investigate the inaccurate information.

These violations show a pattern of willful noncompliance, and I am now requesting CFPB intervention to ensure my consumer rights are protected.

Requested Resolution : 1. Immediate investigation and deletion of all inaccurate addresses and account entries listed above.

2. Full compliance with FCRA 1681i regarding reinvestigation procedures.

3. A written explanation and confirmation that the inaccurate data has been removed or corrected.

4. Consideration of civil liability for willful noncompliance under FCRA 1681n.

I am attaching copies of my ID, utility bill, and the relevant credit report excerpts for your review. I respectfully request your assistance in resolving this matter promptly.

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