Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report, including incorrect address reporting, false late payments, and unauthorized inquiries. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and are causing significant harm to my creditworthiness, financial stability, and personal reputation. Despite my repeated attempts to correct these inaccuracies with the credit bureaus and creditors, the issues persist, necessitating CFPB intervention to ensure compliance with federal law and proper resolution. 

Address XXXX XXXX XXXX XXXX XXXX, GA XXXX This address has never been associated with me, nor have I resided or received mail here. The reporting of this address violates FCRA 609 ( a ) ( 1 ) as it represents inaccurate personal information. It has been used to link false accounts to my name. My official records and utility bills show no activity at this address. Including this address creates risk of identity confusion. I have requested removal previously, yet it persists. It affects lenders assessment of my creditworthiness. This reporting is misleading and fails FCRA 611 standards. Misreporting of addresses is considered materially inaccurate. This address is not recognized by postal services in my name. It has led to wrongful denials of credit. I demand deletion. I am prepared to provide evidence of my actual residence. Accurate credit reporting is mandated under FCRA 607 ( b ). Reinvestigation is required. Improper reporting is harming my financial reputation. Immediate correction is required. All reporting agencies must update my file to remove this erroneous address. 

XXXX XXXX XXXX XXXX, AZ XXXX This address is entirely incorrect and has never been my residence. Reporting it violates FCRA 611. My official records contradict this listing. Credit bureaus are required to maintain accurate files. Its inclusion has led to accounts being wrongly attributed to me. I have documentation proving residency elsewhere at all relevant times. The false reporting of this address has negatively affected my credit. FCRA 623 requires furnishers to report complete and accurate information. The presence of this address suggests negligent reporting practices. Previous disputes were ignored. This address can not be validated with any proof of residence. The misreporting contributes to identity confusion. It is materially inaccurate information. Removal is required immediately. I request confirmation of the correction. Failure to remove this address violates my consumer rights. The continued presence is prejudicial. Accurate credit files are my legal right. Immediate action is required. 

Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * This account has been inaccurately reported with late payments that did not occur. FCRA 1681i requires accurate reporting and reinvestigation of disputed items. I have documentation proving all payments were timely. Reporting false late payments violates my rights under FCRA 609 ( a ) ( 1 ) and 611. The misreporting has negatively affected my credit score. Previous disputes did not result in correction. The account has been reported inconsistently. Furnisher has not verified the reported late payments. This inaccurate reporting is materially misleading. It affects lenders assessment of my creditworthiness. Continued reporting is damaging and legally actionable. I demand correction to reflect accurate payment history. Reinvestigation must include verification of payment dates. Inaccurate reporting violates my legal protections. My financial history must be accurately represented. Immediate update is required. Correction must be reported to all credit bureaus. I expect written confirmation of changes. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized this inquiry. Reporting it violates FCRA 604 ( a ) and negatively impacts my credit. The inquiry is materially misleading. Furnisher can not provide proof of consent. Previous disputes did not result in removal. Unauthorized inquiries are prohibited by law. Continued reporting is prejudicial. Immediate deletion is required. FCRA 611 mandates reinvestigation. The inquiry has harmed my credit assessment. Reporting it is illegal. I demand written confirmation of removal. Accurate credit reporting is my legal right. Reinvestigation must verify authorization. Immediate action is required. The inquiry must be removed permanently.

I request that the CFPB direct the credit reporting agencies to immediately correct my inaccurate address, remove the false late payment on my XXXX XXXX  account, and delete the unauthorized CPS inquiry. Under FCRA 611 ( a ), I am entitled to prompt reinvestigation of disputed items, which has not been conducted properly. These ongoing reporting errors have caused tangible harm to my financial reputation, opportunities, and well-being. I am submitting supporting documentation, including proof of address, bank statements, payment confirmations, and evidence of non-authorization for the inquiry. I request written confirmation from CFPB and the credit bureaus regarding the actions taken to correct these errors, in full compliance with federal law, ensuring accurate reporting and protection of my rights as a consumer.

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