Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : XXXX XXXX XXXX XXXX XXXX, XXXX Law : FCRA Section 607 ( b ) mandates credit bureaus to maintain maximum possible accuracy in consumer files Issue : This address is incorrectly listed on my credit report ; I have never lived at or used this location Story : This address is not associated with me in any capacity, and its presence could result in mixed file issues, fraud concerns, or association with someone else 's credit history XXXX XXXX XXXX XXXX XXXX, XXXX Law : FCRA Section 607 ( b ) and Section 610 mandate investigation and correction of erroneous addresses Issue : This address is also wrong and not part of my residency history Story : I have never lived at or been affiliated with this address, and I believe it has been included due to an error or file merger mistake which is negatively impacting my report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 ( a ) and Section 609 require all late payments to be verifiable and accurate Issue : This account shows late payments which I dispute as inaccurate and not reflective of my payment history Story : I have made consistent payments or settled this account in good faith and dispute the negative reporting as it does not match my records, please verify and remove all derogatory notations XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 and Section 605 ( b ) regulate the reporting period and accuracy of old data Issue : This account is reporting outdated or incorrect late payments that I dispute Story : I request a reinvestigation into the legitimacy of these reported lates, as they either occurred outside the allowable timeframe or were reported without adequate documentation or context XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Law : FCRA Section 609 ( a ) ( 1 ) requires furnishers and credit bureaus to provide sources and verification of charge-offs Issue : This account is showing as a charge-off, which I dispute as inaccurate and potentially fraudulently opened or misreported Story : I do not recall initiating or defaulting on any account with XXXX XXXX, and I request a full investigation including contract signature, payment history, and charge-off documentation XXXX XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 611 and Equal Credit Opportunity Act ( ECOA ) prohibit discriminatory or unverified reporting Issue : This account shows late payments which are harming my score but may not be accurate or fully verified Story : I have disputed this directly with the creditor and never received any verification, please reinvestigate the late payments and update the account accordingly DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Law : FCRA Section 623 and the Higher Education Act govern accurate XXXX loan reporting Issue : This XXXX loan account shows late payments which are either incorrect or not fully validated Story : I believe these lates occurred during a period of forbearance, deferment, or administrative transition, and should not be impacting my credit as derogatory marks REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters . I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
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