Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding multiple errors on my credit report, which have caused me significant financial harm and stress. Despite my consistent efforts to maintain accurate financial records and timely payments, my credit report reflects multiple inaccuracies including late payments, charge-offs, inquiries, and a wrong address. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal laws. 
Wrong Address XXXX XXXX XXXX XXXX XXXX, GA, XXXX Issue : This address is incorrectly listed on my credit report. 
Law : Under FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

Story : This incorrect address has caused miscommunications with creditors and has likely contributed to other reporting errors. I have received notices and collection calls for accounts that do not belong to me, creating confusion and stress. Ensuring my correct address is listed is critical to prevent fraudulent activity and further inaccuracies. 
XXXX XXXX XXXX Issue : Late Payment High Credit : {$3400.00} Law : FCRA 1681i requires the credit bureau to investigate disputed information and correct inaccurate reporting.

Story : I have consistently made payments on time for this account. Despite my timely payments, a late payment has been erroneously reported. I have contacted XXXX multiple times and provided proof of my payments, but no correction has been made. This error has unjustly affected my credit score, potentially affecting my ability to secure loans or favorable interest rates. 
XXXX XXXX XXXX  XXXX XXXX : Late Payment High Credit : {$1000.00} Law : FCRA 1681e ( b ) and 1681i mandates accurate reporting and investigation of disputed items.

Story : This account has been incorrectly reported as late, even though I maintained on-time payments. Misreporting this account reflects poorly on my financial responsibility. I have attempted to resolve this with the creditor, yet the reporting remains uncorrected. This inaccuracy is impacting my financial credibility unfairly. 
XXXX XXXX XXXX Issue : Late Payment High Credit : {$0.00} Law : FCRA 1681i right to dispute inaccurate information.

Story : Reporting a late payment on a XXXX balance account is misleading. I have consistently made my payments and maintained communication with XXXX. Despite this, they reported a late payment without justification. Such misreporting can harm future financial opportunities and must be corrected. 
XXXX XXXX XXXX Issue : Charge-Off High Credit : {$0.00} Law : FCRA 1681i right to dispute inaccurate information. 
Story : XXXX XXXX has reported my account as a charge-off despite my maintaining all payments according to the agreed schedule. I have repeatedly reached out to them for clarification and correction. The ongoing inaccurate reporting continues to damage my creditworthiness and has caused unnecessary stress and anxiety. 
XXXX XXXX Issue : Charge-Off High Credit : {$5000.00} Law : FCRA 1681i right to dispute inaccuracies. 
Story : XXXX XXXX reported a charge-off in error. I had maintained my payment schedule and contacted XXXX XXXX to rectify any misunderstandings. Despite submitting documentation, the inaccurate report persists. This is causing substantial financial and personal harm. 
XXXX XXXX, XXXX XXXX Issue : Inquiry Open Date : XX/XX/year> Law : FCRA XXXX limits on permissible purpose for accessing credit reports. 
XXXX : This inquiry was made without my authorization. Unauthorized inquiries not only violate FCRA, but they also negatively affect my credit score. I have no record of authorizing this inquiry, and it must be removed immediately to reflect accurate information. 
These repeated inaccuracies on my credit report violate my rights under federal law and have caused emotional distress, financial loss, and interference with my ability to access credit fairly. I request that CFPB conduct a thorough investigation and ensure all inaccurate information is corrected or removed immediately. 
I also request confirmation once corrections are completed. If these violations are not corrected promptly, I reserve the right to pursue additional legal remedies. 
Thank you for your attention to this urgent 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