Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am filing a complaint regarding multiple inaccurate and unverifiable items being reported on my consumer credit report. These errors include wrong addresses and late payment notations that violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ). These inaccuracies have caused significant financial harm, emotional distress, and denial of fair credit opportunities. 
Wrong Address ( Violation of FCRA 609 & 610 Accuracy & Identity ) XXXX XXXX XXXX XXXX XXXX  XXXX Wrong Address I have never lived, worked, or been associated with this address in any way. Reporting this address is a clear violation of FCRA accuracy requirements. Because of this error, lenders and creditors have questioned my identity and I have been subjected to unnecessary fraud reviews. This false data has created stress, embarrassment, and denial of opportunities. 
Accounts with Late Payments ( Violation of FCRA XXXX ( b ) Maximum Possible Accuracy ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$32000.00} Late Payment The reported late payments are not accurate and unverifiable. These negative marks have unfairly damaged my credit score and continue to harm me. I was denied a XXXX  loan refinancing opportunity because of this false reporting, which increased my financial burden. The creditor has failed to provide verifiable proof that these late entries are valid, which is required under FCRA 611. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$29000.00} Late Payment This account is reporting inconsistent payment history that can not be verified. Because of this false reporting, I was unable to qualify for a fair interest rate on an auto loan and ended up paying significantly higher monthly payments. This error has caused me long-term financial loss and emotional suffering. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Late Payment The delinquency reported here is misleading and unverifiable. Under FCRA, all data must be accurate and fully substantiated, otherwise it must be deleted. Because of this false late payment, I was denied approval for a personal loan during a period of financial hardship, which left me and my family without access to emergency funds. The harm caused by this false reporting is direct and severe. 
Harm Caused : Denied mortgage refinancing and higher housing costs. 
Denied XXXX  loan refinance and forced into higher interest. 
Lost job opportunities due to inaccurate credit report. 
Forced into unfair auto loan terms with high monthly payments. 
Emotional stress and reputational damage from false reporting. 
Resolution Requested : 1. Permanently delete all wrong addresses from my consumer credit report.

2. Remove all unverifiable and inaccurate late payment notations from the listed accounts.

3. Conduct a full reinvestigation in compliance with FCRA 611 and provide written proof of accuracy.

4. Provide confirmation of deletions and corrections within 30 days.

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