Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
To Whom It May Concern, This is a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), 1681e ( b ), and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. Experian is reporting inaccurate, incomplete, and unverifiable information on my credit file that is damaging my creditworthiness. I have disputed these items directly with Experian, but they remain uncorrected, which constitutes willful noncompliance with federal law. 

Inaccurate Information Being Reported : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Reported Late Payment ( I have never made a late payment ; this history is inaccurate and must be corrected. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Reported Late Payment ( Inaccurate ; no late payments ever occurred. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Reported Late Payment ( Inaccurate ; must be corrected. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Reported Late Payment ( Inaccurate. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Reported Late Payment ( Inaccurate. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Reported Late Payment ( Inaccurate. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Reported Late Payment ( Inaccurate. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reported Late Payment ( Inaccurate. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Reported Late Payment ( Inaccurate. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Reported Late Payment ( Inaccurate. ) XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$710.00} Reported Late Payment ( Inaccurate. ) XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry ( I did not authorize this hard inquiry. ) XXXX - XXXX XX/XX/XXXX Unauthorized Inquiry ( I did not authorize this hard inquiry. ) Violations of Law : FCRA 1681e ( b ) : Experian must follow reasonable procedures to assure maximum possible accuracy. Reporting wrong addresses, unauthorized inquiries, and false late payments is a violation of this standard. 

FCRA 1681i ( a ) : When notified of a dispute, Experian must conduct a reasonable reinvestigation. Experian has failed to properly reinvestigate and continues to report inaccurate items. 

FDCPA 807 ( 15 U.S.C. 1692e ) : Reporting false and misleading credit information is prohibited under the FDCPA. 

Requested Resolution : Delete the inaccurate address ( XXXX XXXX XXXX ). 

Remove all false late payment notations on XXXX, XXXX XXXX XXXX, and XXXX accounts , as I have never made a late payment. 

Delete the unauthorized inquiries ( XXXX XXXX XXXX and XXXX - XXXX ). 

Conduct a full reinvestigation in compliance with FCRA requirements. 

Experians failure to maintain accuracy and conduct lawful reinvestigations has caused me significant harm, including reduced creditworthiness and denial of opportunities. I am requesting the CFPBs assistance in compelling Experian to comply with federal law and correct these violations immediately.

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