Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
Dear CFPB, I am filing this complaint regarding multiple inaccuracies on my credit report that have caused significant harm to my creditworthiness. These inaccuracies involve both incorrect addresses and erroneous account information, which violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request CFPB assistance to ensure these items are fully investigated and corrected by the relevant credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX, IL, XXXX Law : Under FCRA XXXX ( b ), CRAs are required to ensure that all information reported is accurate. Misreporting of my residence violates this statute and misleads creditors regarding my identity and payment history. 
Story : I have never resided at XXXX XXXX XXXX XXXX The presence of this incorrect address has already resulted in creditors questioning my identity during applications and has caused unnecessary delays in financial approvals. I request that this address be permanently removed and all accounts be updated to reflect my correct residence. 
Additionally, the following accounts contain inaccurate or damaging information : Account : XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$300.00} Issue : Charge Off Law : Under FCRA 1681i ( a ), I have the right to dispute information I believe is inaccurate. Reporting this account as a charge-off without verification or prior notice is a violation. 
Story : I have consistently attempted to make timely payments on this account. The charge-off designation does not reflect my actual payment history and was reported without providing me a proper opportunity to rectify any alleged delinquency. This misreporting has unfairly damaged my credit score and affects my ability to access fair credit. 
Account : XXXX XXXXXXXX Open Date : XXXX XXXX, XXXX High Credit : {$200.00} Issue : Late Payment Law : FCRA 1681s-2 ( a ) requires furnishers to provide accurate information to CRAs. Inaccurate reporting of late payments is a direct violation. 
Story : I made all payments on time. Despite proof of payment and bank statements confirming my timely payments, this account is incorrectly reporting late payments, causing unwarranted damage to my credit reputation. Such inaccurate reporting constitutes a serious breach of my consumer rights. 
Account : XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$300.00} Issue : Late Payment Law : As per FCRA

1681i ( a ) ( 1 ) ( A ), I am entitled to prompt investigation of disputed information. Story : I have documen
tation confirming that my payments were made in full and on schedule. The current late payment reporting misrepresents my credit behavior and creates a misleading record for any future creditors assessing my reliability. I demand immediate correction of this false information. 
Account : XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$900.00} Issue : Charge Off Law : Under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ), any negative information must be accurate, complete, and verifiable.

Story : This account was settled, and I have documentation to prove that there was no default. The reporting of this account as a charge-off is erroneous and violates my rights. It is imperative that this be corrected immediately to reflect the true status of my account. 
I request CFPB intervention to ensure these items are thoroughly investigated and corrected, or removed if they can not be verified. I also request written confirmation of the investigation results. 
Failure to correct these inaccuracies continues to harm my financial reputation and violates my rights under federal law. I respectfully request your assistance to resolve 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