Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
I am filing this complaint with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This address has no connection to me, and I have never lived here or used it in any official capacity. By associating this address with my file, your bureau is creating a false impression of my identity and potentially linking me to accounts or obligations that belong to someone else. The presence of this false address exposes me to the risk of mixed files, mistaken identity, and unfair credit decisions. Under Section 1681e ( b ) of the FCRA, you are required to ensure maximum possible accuracy in the information you report, and allowing this address to remain is a direct violation of that duty. I demand that this wrong address be permanently deleted from my file. 

Accounts XXXX XXXX XXXX High Balance {$1900.00} Opened XX/XX/XXXX Late Payment This tradeline reflects late payments that are inaccurate and harmful. I have already disputed this multiple times, yet it continues to appear with no supporting evidence provided. The FCRA clearly requires that disputed items be either verified with documented proof or deleted if unverifiable. Instead, your bureau appears to be parroting information from the furnisher without conducting a thorough investigation. This is not a lawful reinvestigation. False reporting such as this impacts my financial opportunities by lowering my creditworthiness and may also suggest fraudulent activity to lenders. If you can not provide verifiable documentation from XXXX, this account must be permanently deleted. 

XXXX XXXX XXXX High Balance {$1200.00} Opened XX/XX/XXXX Late Payment This account has been reported with multiple late payments, which are not accurate. Under the FCRA, it is your responsibility to ensure that reported data reflects the truth, not assumptions or automated reporting errors. Every time a false late payment is allowed to stay, it creates long-term financial harm, raising interest rates and denying me fair access to credit. A repeated failure to investigate properly shows negligence and willful noncompliance. Without proof directly from the creditor showing the validity of the alleged late payments, this account can not legally remain on my file. I request deletion to ensure accuracy. 

XXXX XXXX XXXX High Balance {$1700.00} Opened XX/XX/XXXX Late Payment This tradeline inaccurately reflects delinquency. I have requested multiple times that your bureau provide proper documentation from the creditor, yet nothing has been furnished. Continuing to list unverifiable late payments directly contradicts Section 1681e ( b ) of the FCRA, which demands maximum possible accuracy. The damage caused by this error is ongoing : higher insurance rates, limited approval for rental housing, and financial stigma attached to my name. False information of this kind is not harmlessit has real-world consequences. Since you have failed to correct it after XXXX prior disputes, I demand permanent deletion of this account. 

XXXX XXXX XXXXXXXX XXXX  High Balance {$570.00} Opened XX/XX/XXXX Late Payment This is a recently opened account, and the delinquency status being reported is completely inaccurate. New accounts can not reasonably reflect the negative history you have listed without it being a reporting error. This suggests either data mixing with another consumers file or improper reporting from the furnisher. Both scenarios violate the FCRA and create misleading harm to my credit report. A bureau can not continue to report such inaccuracies after being notified multiple times. If no proof exists from the original creditor to support this derogatory history, this account must be deleted immediately to restore accuracy. 

XXXX XXXX XXXX High Balance {$2100.00} Opened XX/XX/XXXX Late Payment This account shows late payment history that is incorrect and harmful. You have not provided any documentation from the creditor verifying this information, yet you continue to report it as fact. Under Section 1681i, reinvestigations must be reasonable and supported by actual proof. Simply verifying electronically without reviewing creditor records is not sufficient under the law. Inaccurate late payments artificially depress my credit score and suggest irresponsible financial behavior that is not mine. I demand that this account be deleted immediately unless it can be fully validated with real documentation. 

XXXX XXXX XXXXXXXX XXXX  High Balance {$250.00} Opened XX/XX/XXXX Late Payment This student loan account reflects a payment history that is not accurate. Federal student loan reporting carries serious consequences for borrowers, and any errors in reporting can impact eligibility for assistance, deferment, or forgiveness programs. By continuing to verify this without producing documentation, your bureau is not complying with the FCRAs standard of maximum possible accuracy. False reporting on student loans is especially damaging, as it carries long-term financial effects that go beyond traditional credit accounts. I demand immediate correction or deletion of this account from my file. 

XXXX XXXX XXXXXXXX XXXX High Balance {$1700.00} Opened XX/XX/XXXX Late Payment This appears to be a duplicate entry for the same student loan, yet it carries a different balance and payment history. Duplicate reporting is misleading and unfairly compounds harm by counting the same obligation twice. This practice violates the fairness and accuracy standards of the FCRA. I have already disputed this before, and since you failed to remove it, you are now willfully maintaining false information. Duplicate derogatory accounts must be corrected or deleted immediately, as they are unlawful. 

XXXX XXXX * High Balance {$720.00} Opened XX/XX/XXXX Late Payment This accounts payment history is being reported inaccurately. I have asked for validation, but none has been provided. Reinvestigations must include proof from the furnisher, not just automated confirmation. By continuing to report unverifiable derogatory marks, you are in violation of Section 1681i. These false reports lower my credit score, limit my ability to qualify for housing, and cause unnecessary harm. Since you have not provided proof, this account must be deleted from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$0.00} Balance Charge Off XXXX XXXX This account shows a charge-off status while also reporting a XXXX balance. This is contradictory and misleading. If the balance is XXXX, then there should be no charge-off listed. By reporting both, you are misrepresenting the accounts status and creating the false impression of continued delinquency. This violates Section 1681e ( b ) of the FCRA requiring accuracy and fairness. If no verifiable proof exists from the creditor, this account must be deleted immediately. 

Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me, and I have never granted written or verbal permission for it. Under Section 604 of the FCRA, a credit bureau may only include inquiries with a legitimate permissible purpose. The continued presence of this inquiry lowers my credit score and unfairly suggests that I was actively seeking credit when I was not. Reporting agencies are required to delete unverifiable inquiries when disputed, and since no proof of authorization has been furnished, this must be removed immediately to ensure accuracy and fairness. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This hard inquiry also does not have my consent, and no permissible purpose exists for it to appear on my file. Unauthorized inquiries are harmful because they reduce my credit standing and create the false impression of unnecessary credit-seeking behavior. The FCRA makes it clear that consumer reports may not include inquiries unless properly initiated by the consumer. By keeping this unauthorized item on my file, you are violating federal law and causing financial harm. I require that this inquiry be deleted immediately unless you can provide undeniable proof of my written authorization. 

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

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