Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate and harmful items on my credit report, despite my efforts to dispute them directly. These include incorrect addresses and erroneous late payment notations that are damaging my credit profile and have not been properly investigated or resolved, in violation of the Fair Credit Reporting Act ( FCRA ). 

First, Experian is listing two addresses that are completely inaccurate and not associated with me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I have never lived at these locations. I have submitted disputes requesting their removal, but Experian continues to keep them on my file without verifying their legitimacy. These incorrect addresses are serious errors that could lead to the misattribution of accounts or even identity confusion, and their continued reporting shows a clear failure to ensure accuracy as required by FCRA 607 ( b ). 

Additionally, Experian is reporting late payments on several accounts that are either inaccurate, outdated, or were reported unfairly during times when I was facing hardship, in deferment, or otherwise had made arrangements with my creditors. For instance, the account XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is showing a late payment despite having a {$0.00} balance and being closed. The late payment occurred during a time when I was informed by the creditor that accommodations would be made. Likewise, XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  reflects a late payment that was reported during a period of financial hardship related to the COVID-19 pandemic. I had communicated with the lender and believed I was granted flexibility, yet Experian still reported the payment as late. 

Even more concerning are multiple XXXX  accounts, including XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, which show late payments despite my active participation in deferment and income-driven repayment plans. I had submitted the proper documentation and received confirmation that my accounts were in good standing. These late payments were recorded in error and remain on my credit report despite my disputes. Furthermore, XXXX XXXXXXXX ( Account # XXXX ) also shows a late payment with a {$0.00} balance. I was never informed that a payment was late, and I believe this is either a reporting error or a failure to accurately update the account status. 

Experian has failed to provide adequate documentation or verification for these disputed accounts and continues to report inaccurate, incomplete, and misleading information. Their generic responses do not reflect a meaningful or lawful reinvestigation, as required by FCRA 611 ( a ). This behavior demonstrates noncompliance with federal law and continues to cause me financial harm. 

As a resolution, I am requesting that the inaccurate addresses be removed from my credit file, and that all late payments listed above be reinvestigated. If Experian can not provide written verification and proper documentation from the original creditors, I request that these derogatory marks be deleted entirely. I also ask that Experian be held accountable for its failure to comply with its legal obligations under the FCRA.

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