Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
I am filing this complaint against [ Credit Bureau Name ] for reporting inaccurate and unverifiable information on my credit report. I have already disputed these items directly with the credit bureau, but the errors remain. This violates the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Below is a breakdown of each disputed item, the issues, the applicable laws, and the facts. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never lived at, rented, or had any connection to this address. 
Law : FCRA 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy, and 1681i ( a ) requires deletion of unverifiable information.

Story : Including this address falsely associates me with a location and potential debts that are not mine. This creates confusion for lenders, increases my identity theft risk, and unfairly damages my credit reputation. I have no utility bills, leases, or any document linking me to this property. 
XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Wrong Address Issue : This is an unfamiliar address with no connection to my credit history. 
Law : FCRA 1681i mandates reinvestigation of disputed items and prompt removal if they can not be verified. 
Story : Having this address on my file makes it appear I have lived at multiple unrelated locations, which could cause creditors to suspect instability or fraud. I have never conducted any financial transactions using this address. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Late Payment Issue : The late payment history is inaccurate and does not reflect my actual payment record. 
Law : FCRA 1681s-2 ( a ) prohibits furnishers from reporting false information ; 1681i requires investigation ; Truth in Lending Act ( TILA ) 15 U.S.C. 1666 protects consumers from billing errors.

Story : I made my payments as agreed or was in a documented dispute at the time. The reported delinquency has lowered my credit score and caused denials for credit, which is financially damaging and reputationally harmful. No verification documents have been provided. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Late Payment Issue : This account shows a late payment that is false and unverified. 
Law : FCRA 1681i obligates deletion of unverifiable data ; FDCPA 809 ( b ) requires validation upon request.

Story : I have never received valid documentation showing I was late. The late payment is hurting my creditworthiness and has resulted in higher interest rates and lost opportunities. This is a serious financial injury caused by negligent reporting. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$560.00} Late Payment Issue : This late payment notation is incorrect and unsupported by records. 
Law : FCRA 1681s-2 ( b ) requires furnishers to correct inaccuracies after notice of dispute ; continued false reporting can lead to liability under 1681n and 1681o.

XXXX  : I was never late on this account or had arrangements in place that should have prevented derogatory reporting. This false mark makes me appear financially irresponsible to potential lenders, which is not true and is causing real damage.

Requested Action : I request that the CFPB direct [ Credit Bureau Name ] to conduct a thorough reinvestigation of all listed addresses and accounts, provide documentary proof from the original creditors, and permanently delete any unverifiable or inaccurate information from my credit file. Continued reporting without proof violates the FCRA and causes ongoing harm to my creditworthiness, loan eligibility, and financial stability.

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