Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and harmful reporting on my credit file. These inaccuracies violate my rights under 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 errors below have caused significant harm to my creditworthiness, financial opportunities, and peace of mind. I demand immediate investigation, correction, and deletion of all unverifiable and incorrect information. 
XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This is not my residence and never has been Law : FCRA 15 U.S.C. 1681c requires consumer reporting agencies to maintain accurate identifying information Story : Reporting this address makes it appear that I lived at a location completely unrelated to me, creating suspicion with lenders, and exposing me to the risk of fraud or identity theft which damages my credibility whenever my credit report is pulled XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong Address Issue : Wrong and unverifiable address Law : FCRA 15 U.S.C. 1681e ( b ) requires maximum possible accuracy Story : This misreporting portrays me as someone who has lived in multiple states and locations where I never resided, painting a false picture of instability and irresponsibility, and has caused major credibility loss with creditors and landlords XXXX  XXXX XXXX High Balance : {$2800.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong reporting of late payments Law : FCRA 15 U.S.C. 1681s-2 requires furnishers to report only accurate and verifiable information Story : These lates are not accurate, yet they continue to harm my score making lenders deny my applications and increasing the cost of credit offers I receive despite me making good faith payments and responsibly managing my accounts This type of harmful inaccuracy is unfair and unlawful DEPTEDXXXX XXXXXXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment Issue : False reporting of delinquency Law : FCRA 15 U.S.C. 1681i requires full reinvestigation Story : My student loan servicer has mishandled my payments and incorrectly labeled them late, leaving me with a history that makes me look irresponsible when in reality I made arrangements to remain in good standing This false reporting has destroyed my ability to refinance or consolidate on fair terms DEPTEDXXXX XXXXXXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong late history Law : FCRA 15 U.S.C. 1681e ( b ) maximum possible accuracy Story : This negative mark is not valid, but because it remains, my score is lowered, my applications are flagged, and I am constantly treated as a high-risk borrower which is humiliating and financially harmful DEPTEDXXXX XXXXXXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Incorrect delinquency reporting Law : FCRA 15 U.S.C. 1681s-2 Story : I have repeatedly tried to fix this with the servicer, but they refuse to correct the mistake and instead it keeps showing on my credit profile leading to unfair denials and costing me thousands of dollars in interest over time DEPTEDXXXX XXXXXXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment Issue : Inaccurate late reporting Law : FCRA 15 U.S.C. 1681i and 1681s-2 Story : This false delinquency damages my reputation, limits opportunities for loans and housing, and unfairly punishes me for servicer errors beyond my control, which is emotionally exhausting and financially devastating DEPTEDXXXX XXXXXXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong late entry Law : FCRA 15 U.S.C. 1681e ( b ) Story : This negative data discourages creditors from extending fair terms, leading to rejection letters and forcing me to pay more than I should on existing credit lines DEPTEDXXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment Issue : False delinquency Law : FCRA 15 U.S.C. 1681i Story : Despite my disputes this remains, proving the bureau and servicer are not conducting a real reinvestigation and are knowingly allowing false data to harm me every day DEPTEDXXXX XXXXXXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Inaccurate late payment reporting Law : FCRA 15 U.S.C. 1681s-2 Story : This is another example of systematic student loan servicer inaccuracy, creating a long record of false late payments that portray me as irresponsible when I am not, causing me continuous harm and blocking my financial progress DEPTEDXXXX XXXXXXXX High Balance : {$6000.00} Date Opened : XX/XX/XXXX Late Payment Issue : False and unverifiable late payment reporting Law : FCRA 15 U.S.C. 1681s-2 requires furnishers to ensure accuracy and not report false data Story : This account has been misrepresented with late payment entries that are not valid, and it paints a false picture of my payment history making me look irresponsible even though I made proper arrangements, damaging my credit score and blocking fair financial opportunities DEPTEDXXXX XXXXXXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong delinquency reporting Law : FCRA 15 U.S.C. 1681e ( b ) requires maximum possible accuracy Story : This late status was incorrectly recorded and has never been corrected even after disputes which continues to hurt my reputation with lenders, raising my borrowing costs, and creating unnecessary hardship for me as a consumer who has the right to fair and accurate credit reporting DEPTEDXXXX XXXXXXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment Issue : Inaccurate delinquency Law : FCRA 15 U.S.C. 1681i requires reinvestigation of disputed items Story : My account has been misreported as late due to servicer error, and instead of correcting the mistake, the credit bureaus have allowed it to remain on my file which has caused me denial for refinancing, higher insurance costs, and ongoing stress every time my credit is pulled DEPTEDXXXX XXXXXXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment Issue : False late reporting Law : FCRA 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate and correct after notice of dispute Story : Even after I notified the bureaus, this late payment was not removed or corrected, proving a lack of compliance with federal law and leaving me with derogatory marks that reduce my score and misrepresent my true financial responsibility DEPTEDXXXX XXXXXXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Incorrect late history Law : FCRA 15 U.S.C. 1681e ( b ) maximum possible accuracy requirement Story : The inaccurate late payment makes me look unreliable to potential creditors even though I have consistently worked to manage my accounts properly, and this false mark has cost me approvals for credit cards and rental applications creating both financial and emotional distress DEPTEDXXXX XXXXXXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Late Payment Issue : Misreported delinquency Law : FCRA 15 U.S.C. 1681i requires proper reinvestigation and deletion if unverifiable Story : This false late entry damages my profile by lowering my credit score, and by failing to remove it after disputes, both the servicer and credit bureaus have violated federal law and harmed me in the long term with unfair negative records DEPTEDXXXX XXXXXXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Wrong reporting of delinquency Law : FCRA 15 U.S.C. 1681s-2 requires accuracy and prohibits knowingly reporting false information Story : This account shows false late payments which were never valid, and the continued reporting of this inaccurate data has blocked me from better credit terms, forced me to pay higher interest, and created emotional stress as I keep facing unfair rejections Conclusion These errors constitute clear violations of my consumer rights under FCRA and FDCPA. They are causing ongoing financial harm, emotional distress, and denial of opportunities. I request the CFPB to compel the credit reporting agencies and furnishers to investigate, delete unverifiable items, and ensure strict compliance with federal 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