Consumer complaint received 2025-10-30 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:
I am submitting this complaint regarding multiple inaccuracies on my credit report that have caused significant distress and could negatively impact my financial standing. The reporting institutions have failed to maintain accurate and verifiable information as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am requesting immediate investigation, correction, or deletion of the following inaccurate entries : XXXX XXXX XXXX XXXX XXXX GA XXXX Wrong Address The address listed is not associated with me. Reporting an incorrect address violates my right under FCRA 1681i ( a ) to ensure accurate identification information. I demand immediate correction or removal of this inaccurate address. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is also incorrect and does not belong to me. I request deletion as required under FCRA 1681i ( a ). 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * I have never made a late payment on this account. Reporting a late payment is inaccurate and violates FCRA 1681s-2 ( b ). I request immediate correction of the payment history. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22000.00} Late Payment * * This account has been reported with late payments that I did not incur. This is misleading and violates my rights under FCRA 1681i ( a ). I demand that these inaccuracies be corrected immediately. 

XXXX. XXXX XXXX * Multiple Accounts ( Various Dates & Balances ) * * All of these accounts show late payments that are inaccurate. Reporting multiple erroneous late payments is a violation of FCRA 1681s-2 ( b ). The specific accounts include : XX/XX/XXXX {$12000.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$22000.00} XX/XX/XXXX {$22000.00} XX/XX/XXXX {$40000.00} XX/XX/XXXX {$23000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4900.00} XX/XX/XXXX {$25000.00} XX/XX/XXXX {$23000.00} Each of these accounts contains late payments that are inaccurate and damaging to my credit report. I request verification and removal or correction of these inaccuracies. 

XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * I have never been late on this account. This reporting is false and must be corrected immediately. 

XXXX. XXXX XXXX * Date Opened : XX/XX/XXXX & XX/XX/XXXX Balances : {$19000.00} & {$15000.00} XXXX XXXX * * These late payments are inaccurately reported. I demand immediate correction under FCRA XXXX ( a ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account shows a late payment I did not make. Correct reporting is required. 

XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization. Reporting unauthorized inquiries violates FCRA 1681b. I request removal of these inquiries from my credit report immediately.

These inaccuracies are causing unjust harm to my creditworthiness and financial reputation. I request that the CFPB investigate these matters, compel the reporting agencies to provide evidence of validity, and ensure correction or deletion of all inaccurate reporting.

I am attaching copies of my identification and any supporting documentation to assist in your investigation. Please acknowledge receipt of this complaint and inform me of the next steps.

Thank you for your prompt attention to this 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