Consumer complaint received 2025-08-07 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:
Dear CFPB, I am submitting this complaint due to multiple severe inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other federal protections. The information below outlines unauthorized hard inquiries, wrong address reporting, and multiple late payments and duplications from XXXX XXXX XXXX, as well as repeated identity confusion which has caused ongoing financial harm and credit damage. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} LATE PAYMENT I strongly dispute the reporting of late payments on this account. During the time this delinquency is reported, I was under a deferment or forbearance status due to documented financial hardship and correspondence with my servicer. Reporting a late payment during a valid deferment period is a clear violation of the Higher Education Act and FCRA 15 U.S.C 1681s-2 ( a ), which prohibits reporting inaccurate information. I have previously requested correction of this, but the entry remains, reflecting negligence and non-compliance. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} LATE PAYMENT This is a duplicate entry of the above account under the same number and different balance, which is deceptive and violates FCRA Section 607 ( b ) by failing to maintain the accuracy and integrity of credit files. The duplication creates the illusion of multiple debts, inflates my debt-to-income ratio, and significantly lowers my credit score unfairly. This has impacted my financial opportunities, and I demand its deletion immediately as this is an example of willful misreporting. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} LATE PAYMENT I was actively communicating with my servicer during this period and had applied for an Income-Driven Repayment Plan. The delay in processing should not be attributed to me. This shows a gross lack of care and inaccurate reporting, which again violates FCRA 15 U.S.C 1681e ( b ) that requires data furnishers to ensure the information reported is complete and up to date. The negative entry is unjust and misleading, especially as it was the servicers internal delay that caused the issue. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} LATE PAYMENT This is yet another duplicate of the same account showing inconsistent balances and additional late payment reporting. These practices are unfair and misleading, and they violate the Consumer Financial Protection Bureaus guidance on fair credit reporting and FCRA Section 623. These inconsistencies cause long-term harm to consumers and portray irresponsibility that does not reflect my financial conduct accurately. I demand deletion of this inaccurate entry. 
XXXX XXXX XXXX XX/XX/XXXX XXXX I did not authorize this entity to pull my report. These types of inquiries are damaging and unlawful when done without written consent. I demand this be removed. 
XXXX XXXX XXXX XX/XX/XXXX INQUIRY Completely unauthorized inquiry. This organization does not have my permission nor a permissible purpose under FCRA. This is harming my score and must be deleted. 
XXXX XXXX XXXX XX/XX/XXXX INQUIRY I never applied for any financial product from XXXX XXXX. This was done without consent and is considered a hard pull, which negatively impacts my score. XXXX deletion required. 
XXXX XXXX XXXX XX/XX/XXXX INQUIRY Unauthorized access to my report. I never gave written or verbal approval. This inquiry was done without my involvement and violates FCRA. Must be removed. 
XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY Duplicate inquiry issue from same organization ( see above ). This XXXX be predatory behavior or system error. I never consented to any such pull. Delete under law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized access to my credit report. This is a violation of the FCRA and my privacy rights. This item must be deleted immediately. 
Requested Resolution : 1. Immediate removal of the incorrect address from my credit file 2. Deletion or correction of all DEPT OF EDUCATION/XXXX  entries to reflect accurate balances, eliminate duplicate accounts, and remove invalid late payments reported during deferment 3. Deletion of all unauthorized and illegitimate hard inquiries made without consent or permissible purpose 4. Reinvestigation of my credit file under FCRA guidelines with full documentation of results I am attaching my ID, proof of current address, and any supporting documentation that confirms my claims. I respectfully request the CFPBs urgent involvement in this matter, as the damage done to my credit is ongoing and serious.

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