Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
Dear CFPB, I am submitting this complaint to formally dispute multiple inaccuracies on my credit report that have caused substantial financial harm and undue stress. Despite my repeated attempts to resolve these issues directly with the creditors and credit reporting agencies, these errors persist, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
ADDRESSES INACCURATELY REPORTED XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681i requires consumer reporting agencies to investigate disputed information and promptly correct or delete it. 
Story : I have never lived at this address, nor have I ever conducted any personal or financial business from this location. Including this as part of my history falsely projects instability in my residency pattern. When lenders and landlords review my report, they assume I move frequently, which signals financial irresponsibility and risk. This reporting mistake has already delayed an apartment approval I applied for in XXXX, as the landlord confronted me about an address I have no knowledge of. This shows the immediate harm caused. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681c forbids consumer reporting agencies from maintaining false identifying data.

Story : This address appears to be completely fabricated, even listing an unusual zip code. Such errors can easily be indicators of identity theft or clerical data mix-ups. Including such fabricated detail in my file could mislead anyone reviewing my credit report into believing that I have suspicious or fraudulent ties. This inaccurate reporting puts me at risk not only for credit denials but also for wrongful fraud investigations. 

ACCOUNTS REPORTED WITH INACCURATE STATUS XXXX  XXXX XXXX | High Balance : {$290.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i ( a ) ( 1 ) requires accuracy in late payment reporting, and unverifiable entries must be corrected or deleted. 
Story : The so-called late payment is entirely misrepresented. I consistently made my payments, though XXXX particular billing cycle payment was processed through an electronic transfer that experienced delays beyond my control. The creditor was aware of this and waived the fee, yet my credit file reflects a late mark. This is misleading and does not provide the full context. Because of this unfair late mark, my loan application for a credit consolidation plan in XXXX was denied, costing me financial opportunities and forcing me to pay higher interest on other obligations. This demonstrates direct harm caused by wrongful reporting. 

XXXX XXXX | High Balance : {$240.00} | Date Opened : XX/XX/XXXX Issue : Charge Off Law : FDCPA 807 strictly prohibits furnishing false status on consumer obligations. 
Story : This account is incorrectly reported as a charge-off. I had set up an agreement with the lender to modify the repayment schedule. Instead of reflecting this arrangement, the creditor chose to report it as a charge-off, undermining my credit health. False reporting of a charge-off reflects extreme delinquency, creating a narrative that is completely untrue about my financial reliability. Because of this misreporting, I was denied access to a secured loan which could have improved my financial situation. 

XXXX XXXX XXXX | High Balance : {$480.00} | Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA 623 ( a ) ( 1 ) ( A ) forbids knowingly providing inaccurate info to a bureau. 
Story : This account incorrectly duplicates my prior XXXX XXXX account with a charge-off notation. This duplicated account is both misleading and unlawful. I have faced repeated declines for credit limit increases simply because it appears as if I have XXXX separate XXXX XXXX charge-offs on my profile when in reality, this data is wrong and duplicate. 

XXXX XXXX | High Balance : {$720.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 611 requires reinvestigation when late payment disputes are raised.

Story : The late notations tied to this account stemmed from billing errors acknowledged by the company. I made payments in good faith and promptly communicated with them, yet my credit report still reflects derogatory marks. These derogatories not only lower my score but mischaracterize me as financially negligent when in fact I acted responsibly and within the periods granted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$8800.00} | Date Opened : XX/XX/XXXX Issue : Charge Off Law : FDCPA 807 & FCRA 623 ( b ) prohibit continued reporting of inaccurate data after a dispute.

Story : This account reflects a repossession dispute. Instead of properly investigating and adjusting their data, the company labeled my account as charged off, burying the true circumstances. By reporting a charge-off here, they unjustly extend the punishment of a repossession into another negative category, effectively double-counting harm against my financial profile. 

XXXX XXXX XXXX XXXX | High Balance : {$560.00} | Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA 809 ( b ) requires that debts in collection be validated when requested. 
Story : This collection account was never validated. I requested documentation and proof of the original contract multiple times but was ignored. Despite this, the reporting continues, marking my profile with yet another derogatory that discourages lenders from offering me fair terms. Continuing to report a collection without validation is not only unfair but unlawful. 

Legal Basis for Complaint : FCRA 1681i ( a ) : Requires credit reporting agencies to investigate and correct inaccurate information.

FCRA 604 ( a ) : Unauthorized inquiries are prohibited.

FDCPA 1692e & 1692f : Prohibits false or misleading representations by debt collectors.

FDCPA 1692c ( b ) : Prohibits disclosure of consumer information to unauthorized third parties. 
Requested Action : XXXX. Correct all inaccurate addresses on my credit report. 
XXXX. Investigate and remove all false late payments, charge-offs, and collections. 
XXXX. Remove all unauthorized hard inquiries. 
XXXX. Provide written confirmation of corrections to me and all major credit bureaus. 
I urge the CFPB to intervene to ensure compliance with federal law and the protection of my rights. If these violations continue unaddressed, I am prepared to pursue further legal remedies under FCRA and FDCPA, including filing complaints with the FTC. 
Thank you for your immediate attention to this matter.

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