Consumer complaint received 2025-10-15 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: OH

Complaint narrative:
Dear CFPB, I am submitting this complaint to report and request an immediate investigation into the inaccurate and misleading reporting practices by the credit bureaus and the furnisher related to my personal credit file. The information being reported is false, unverifiable, and inconsistent with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My consumer rights have been violated through the continued reporting of wrong addresses and inaccurate account details despite prior disputes and requests for verification. I am asking for a full reinvestigation and correction of these errors as required by federal law. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not associated with my personal history. Reporting this address demonstrates negligence in verifying consumer data sources. According to FCRA 611 ( A ), you must reinvestigate disputed information and remove any unverifiable data. The ongoing presence of this false address violates the law and harms the integrity of my report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided or received mail at this location. Failure to delete this false address violates my right to accuracy under FCRA XXXX ( B ). This misinformation contributes to an inaccurate identity profile, potentially linking me to accounts or activities not associated with me. I request its immediate deletion. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment XXXX XXXX This account continues to reflect inaccurate late payment data even after multiple dispute attempts. Reporting a late payment on an account with a XXXX balance and no current delinquency is misleading and violates FCRA 623 ( A ) ( 1 ) ( A ), which prohibits furnishing data known to be inaccurate. The creditor has not provided any legitimate documentation showing I was delinquent beyond the allowed billing cycle, making this item unverifiable and misleading. Continued reporting constitutes negligence and noncompliance with FCRA 611 ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Late Payment XXXX XXXX  This account has been disputed multiple times for incorrect late payment reporting. The creditor has failed to verify the legitimacy of the alleged delinquency or provide any signed agreement showing acknowledgment of the late status. Under FCRA 611 ( A ) ( 1 ), unverifiable information must be deleted. Additionally, under FCRA 623 ( A ) ( 2 ), furnishers must correct and update information found to be incomplete or inaccurate. Reporting this unverifiable delinquency shows noncompliance with federal accuracy standards. 

I respectfully request the Consumer Financial Protection Bureau to conduct a thorough investigation into these violations under the Fair Credit Reporting Act and compel the credit bureaus and furnishers to permanently delete or correct the false information. I also request that appropriate enforcement actions be taken to ensure full compliance with consumer protection laws.

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