Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file an urgent and formal complaint regarding multiple inaccurate and harmful entries being reported on my credit reports. These errors are affecting my financial stability, access to credit, and peace of mind. I respectfully request your assistance in investigating and resolving these issues with the relevant data furnishers and credit reporting agencies. Below, I have provided the detailed information associated with the inaccuracies, along with related issues, applicable laws, and how each has negatively impacted my life. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This address is not associated with me in any way Law : FCRA 1681e ( b ) credit bureaus must maintain accurate address information Story : I have never lived at this address and never used it on any credit application, utility service, or legal document. Its presence on my report creates identity confusion and has triggered delays during employment background checks and credit applications. This address may indicate a mixed file or clerical error. I demand its immediate deletion. 
XXXX XXXX XXXX XXXX MI XXXX Wrong Address Issue : Not my residence, never used for any personal or financial purposes Law : FCRA 1681i ( a ) ( 1 ) ( A ) requires reasonable reinvestigation of disputed information Story : I never lived at this address. It does not appear in any of my tax records, drivers license history, or credit applications. Its inaccurate inclusion in my report is unjust, damaging, and causes major delays during credit checks. Remove this item from my file immediately. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This is a false address, unassociated with me Law : FCRA 1681e ( b ) Story : I have never resided at or used this address. Its appearance on my credit report creates security risks and leads to account verification issues. I was required to submit affidavits to a bank to prove my true address because of this incorrect entry. This is harmful and must be deleted. 
XXXX  XXXX Late Payment High Balance : {$1700.00} Opened : XX/XX/XXXX Issue : Late payments reported while I was in hardship status Law : FCRA 1681s-2 ( a ), CARES Act provisions for borrowers Story : I was going through a financial hardship and submitted deferment paperwork to the servicer. Despite this, they failed to update my status and reported late payments, violating my rights and further damaging my credit. These marks are unjust and I request their full deletion. 
XXXX  XXXX XXXX Late Payment High Balance : {$3000.00} Opened : XX/XX/XXXX Issue : Inaccurate delinquency during repayment plan transition Law : FCRA 1681i Story : I applied for an income-based repayment plan and while it was under review, my account was reported as late. This reporting is inaccurate and violates my consumer rights. I request immediate removal of all late marks. 
XXXX XXXXXXXX XXXX  Charge-Off High Balance : {$24000.00} Opened : XX/XX/XXXX Issue : Charge-off reported without valid debt validation or agreement on resolution Law : FCRA 1681s-2 ( b ), FDCPA Story : I experienced financial hardship due to job loss. I contacted the creditor to arrange a payment plan, but received no assistance or response. They reported the charge-off without giving proper notice or validation of the debt. I dispute this account entirely and request its deletion. 
XXXX  XXXX Late Payment High Balance : {$1700.00} Opened : XX/XX/XXXX Issue : Late payment reported during servicer transfer and deferment Law : FCRA 1681e ( b ) Story : During a servicer transfer, my deferment status was not properly maintained. This led to late marks that were not due to any fault of my own. These marks must be corrected and removed to reflect the true history of my account. 
XXXX XXXXXXXX XXXX Late Payment High Balance : {$3000.00} Opened : XX/XX/XXXX Issue : Improper late payment reporting without consumer notification Law : FCRA 1681s-2 ( a ) ( 1 ) Story : I requested assistance on this loan and was never notified about missed payments. Despite hardship communications, the servicer reported me late. This has impacted my credit score and financial opportunities. These marks must be removed immediately. 
XXXX XXXX XXXX Late Payment High Balance : {$5900.00} Opened : XX/XX/XXXX Issue : Auto-debit failure caused wrongful late reporting Law : FCRA 1681s-2 Story : My bank statements show an auto-debit attempt that failed due to servicer error, not consumer negligence. The servicer refused to correct the reporting even after I submitted documentation. This derogatory mark is unfair and must be removed. 
XXXX XXXX Late Payment High Balance : {$3400.00} Opened : XX/XX/XXXX Issue : Late payment reporting during active deferment Law : CARES Act and FCRA 1681i Story : I received written confirmation of approved deferment. Regardless, the servicer incorrectly reported late payments. This reporting has prevented me from securing housing and financial assistance. I request full deletion of all negative history on this account. 
XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Issue : Unauthorized hard credit pull Law : FCRA 604 Story : I did not submit any credit application to this institution. This inquiry was not initiated by me and was made without my permission. Please delete this inquiry immediately. 
XXXX Inquiry XX/XX/XXXX Issue : Unfamiliar inquiry without application Law : FCRA 604 ( b ) ( 2 ) ( A ) ( i ) Story : I have no relationship or application with XXXX or XXXX. This inquiry is suspicious and was done without my knowledge or consent. This must be removed to preserve my credit profile integrity. 
XXXX Inquiry XX/XX/XXXX Issue : Duplicate or fraudulent inquiry Law : FCRA 604 Requires consumer consent Story : This is a second inquiry from the same entity, which I did not authorize. This could be identity theft or an error. I demand its removal from my credit report. 
REQUEST FOR RELIEF : I respectfully request the Consumer Financial Protection Bureau to : 1. Conduct an immediate and thorough investigation into the inaccurate addresses, accounts, and inquiries listed above 2. Compel the data furnishers and credit bureaus to provide proper documentation and permissible purpose proof for each item 3. Direct them to remove all unverifiable, inaccurate, and unauthorized information 4. Ensure compliance with the FCRA, FDCPA, and other applicable consumer laws 5. Provide me with a full update on the outcome of each disputed item I am enclosing a copy of my identification and credit report highlighting the disputed entries. I appreciate your urgent attention to this matter and request that this complaint be handled with the seriousness it warrants. These inaccuracies have already caused me irreparable damage, including loan denials, emotional stress, and financial hardship.

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