Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
b'I am submitting this complaint regarding multiple inaccurate late payments reported on my credit report. These inaccuracies violate my rights under the Fair Credit Reporting Act (FCRA) and have caused significant harm to my creditworthiness. I request immediate investigation and correction of all listed accounts.\n\nAddress: XXXX XXXX XXXX XXXX MI XXXX XXXXnThis address is not associated with me. FCRA Sections 1681e(b) and 1681i(a) require that all personal identifying information be accurate and verified. Remove this incorrect address immediately.\n\nAddress: XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXXThis address is not mine and its reporting is false. FCRA Sections 1681e(b) and 1681i(a) apply. Delete this address from my credit file immediately.\n\nAccount: XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX  Balance: $XXXX Collection\nI have no knowledge of this account. Reporting it as a collection is false and misleading. FCRA Sections 1681e(b) and 1681i(a) require accurate reporting and prompt reinvestigation. Immediate deletion is demanded.\n\nAccount: XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX Balance: $XXXX Chargeoff\nI have no knowledge of this account. The chargeoff status is inaccurate. FCRA 1681e(b) mandates accurate reporting; FCRA 1681i(a) requires reinvestigation of disputed items. I demand deletion of this account.\n\nAccount: XXXX XXXX Date Opened: XXXX Balance: $XXXX\nInaccurate late payment history is reported on this account. I have never missed a payment. FCRA Section 1681e(b) requires that credit reporting agencies maintain accurate information. FCRA Section 1681i(a) mandates a prompt and thorough reinvestigation of disputed information. I request deletion or correction of this inaccurate late payment history immediately.\n\nAccount: DEPTED/XXXX XXXX Date Opened: XXXX Balance: XXXXThis account inaccurately reports late payments. I have consistently made payments on time. FCRA 1681e(b) requires accurate reporting; FCRA 1681i(a) requires reinvestigation of disputed information. I demand correction of this false late payment information.\n\nAccount: DEPTED/XXXX XXXX Date Opened: XXXX  Balance: $XXXXThis account shows false late payments. I have never been late. Under FCRA Sections 1681e(b) and 1681i(a), this information must be corrected immediately.\n\nAccount: DEPTED/XXXX XXXX Date Opened: XXXX Balance: XXXXThe late payment history on this account is incorrect. I request reinvestigation under FCRA 1681i(a) and correction under 1681e(b).\n\nAccount: DEPTED/XXXX XXXX  Date Opened: XXXX Balance: XXXXThis account falsely reports late payments. FCRA Sections 1681e(b) and 1681i(a) require accuracy and reinvestigation. Immediate correction is demanded.\n\nAccount: DEPTED/XXXX XXXX Date Opened: XXXX Balance: XXXXInaccurate late payment history continues to be reported. I have never been late. FCRA 1681e(b) mandates accurate reporting; FCRA 1681i(a) requires reinvestigation. Correct this false information promptly.\n\nAccount: DEPTED/XXXX XXXX  Date Opened: XXXX Balance: $XXXXThis account incorrectly reports late payments. FCRA Sections 1681e(b) and 1681i(a) apply. I demand immediate correction.\n\nAccount: DEPTEDXXXX XXXX Date Opened: XXXX Balance: $XXXXLate payments are falsely reported on this account. I request immediate reinvestigation and correction under FCRA 1681i(a) and 1681e(b).\n\nAll listed accounts contain inaccurate late payment information that I dispute in full. These false reports violate my rights under the FCRA and have caused tangible harm to my financial standing. I request the CFPB to ensure all inaccuracies are corrected or deleted promptly to restore the accuracy of my credit report.'

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