Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
To Whom It May Concern, This is now my seventh formal attempt to resolve serious inaccuracies and outdated information appearing on my Experian credit report. Despite multiple disputes, Experian has failed to correct or delete the following accounts, inquiries, and address entries, which continue to harm my credit standing and misrepresent my financial behavior. 

This letter outlines each account in dispute with detailed explanation, legal references, and supporting personal context. I am formally requesting deletion or correction of the following accounts under the Fair Credit Reporting Act ( XXXX  ). 

XXXX  # XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} Status : Late Payments Issue : Late payments reported while under hardship assistance. 
Law : FCRA XXXX ( a ) ( XXXX ) ( A ) ; CARES Act XXXX Story : I was placed under a XXXX accommodation with XXXX, yet this account reflects delinquencies that occurred during the deferment period. Reporting missed payments during an approved forbearance directly violates the CARES Act and results in a false depiction of my financial standing. 

XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Status : Late Payments Issue : Improper reporting of late payments during deferment. 
Law : FCRA XXXX ( b ) Maximum Possible Accuracy ; CARES Act XXXX Story : As with the above account, I was granted forbearance by XXXX due to financial hardship. This account should not reflect negative history during this protected period. This is a clear case of inaccurate and unfair reporting. 

XXXX  # XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Status : Late Payments Issue : Duplicate reporting and late payments during accommodation. 
XXXX : FCRA XXXX ( a ) ; FCRA XXXX ( a ) ( XXXX ) ( A ) Story : This account was previously disputed, yet Experian continues to report derogatory history with no correction. These lates were reported during a period where I was in an agreement with the lender. Repeated failure to investigate accurately violates my rights under federal law. 

XXXX # XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Status : Late Payments Issue : Small-balance student loan account inaccurately reflects delinquencies. 
XXXX : FCRA XXXX ( b ) ; XXXX ( a ) ( XXXX ) ( B ) Story : I contacted the servicer and provided proof that this account was in deferment due to school status. Reporting missed payments under these conditions is unjustified and misleading. I request removal of the negative history or deletion of the account entirely. 

XXXX  # XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Status : Late Payments Issue : Duplicate account with same amount and date as above both should not exist. 
XXXX : FCRA XXXX ( b ) ; FCRA XXXX ( a ) Story : It appears this account is a duplicate of the one listed above. This duplication inflates my overall debt profile and results in false credit scoring. XXXX of the entries must be removed immediately. 

XXXX  # XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Status : Late Payments Issue : Continued inaccurate reporting of late payments despite multiple disputes. 
Law : FCRA XXXX ; FCRA XXXX ( a ) ( XXXX ) ( A ) Story : I submitted previous disputes and supporting documents, but this account continues to reflect inaccuracies. There was no default on this account during the dates reported. I demand full deletion due to unverifiable history and repeated failure to investigate properly. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX AT XXXX XXXX A Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Status : Collection Issue : This collection is not mine and is not associated with any valid rental agreement or lease Ive had. 
Law : FCRA XXXX ( A ) ; FCRA XXXX ( a ) Story : I have never had any contractual relationship with the original creditor listed. This collection was opened without my knowledge or consent. I have requested validation previously with no response. I am demanding complete removal. 

XXXX XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Status : Collection Issue : Unverified and unauthorized collection. 
Law : FCRA XXXX ( a ) ( XXXX ) ; FDCPA XXXX ( b ) Story : I do not owe this debt. I was fully insured at the time and have documentation from XXXX stating no balance due. This entry is harming my credit and has never been validated. I request its immediate deletion due to failure to comply with federal verification laws. 

XXXX  XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA XXXX ( a ) ( XXXX ) ; FCRA XXXX ( c ) ( XXXX ) ( A ) Story : I did not authorize this inquiry. No credit application was submitted, and I had no dealings with XXXX XXXX XXXX XXXX. This is a hard inquiry that was placed without my permission, lowering my score unjustly. 

Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : These addresses do not belong to me and are not part of my residential history. 
Law : FCRA XXXX ( b ) ; FCRA XXXX ( A ) Story : I have never lived at these locations, nor are they connected to any credit activity I have authorized. Their presence increases the risk of mistaken identity and inaccurate linkage to accounts. These addresses must be removed from my file immediately. 

Resolution Requested : I am demanding Experian conduct a full reinvestigation of the above accounts, delete unverifiable or inaccurate entries, and provide written confirmation of your actions within XXXX  days, as required by FCRA XXXX ( a ). If these issues are not resolved, I will escalate this matter to the Consumer Financial Protection Bureau ( XXXX  ) and the Federal Trade Commission ( XXXX  ) and seek legal remedies.

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