Consumer complaint received 2025-06-04 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: TN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to bring to your attention multiple, serious inaccuracies on my credit reports as maintained by the major consumer reporting agencies ( Equifax, Experian, and TransUnion ). These errors are significantly impacting my creditworthiness, ability to access fair financial services, and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

1. Wrongly Reported Addresses ( Violation of FCRA 1681e ( b ) Accuracy Requirement ) I have never resided at the following addresses, yet they continue to appear on my credit report. Their inclusion is misleading and raises serious concerns about identity verification procedures followed by the credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses must be permanently removed. The continued reporting of these incorrect addresses is a violation of FCRA 1681e ( b ), which requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy. 
XXXX XXXX XXXX XXXX Late Payment Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$17000.00} This account inaccurately reflects late payments that were either not late or have not been validated properly. I have previously requested validation of these delinquencies from both the creditor and the bureaus and have received no proof of their legitimacy. 
The continued reporting of unverifiable derogatory marks violates FCRA 1681i ( reinvestigation of disputed information ), and FCRA 1681s-2 ( responsibilities of furnishers of information ). 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1700.00} This federal student loan servicer has reported late payments which I contest based on the CARES Act protection during the pandemic period, where payments were suspended and interest waived for federal student loans. 
If these late payments occurred during the forbearance period, they are unlawfully reported under CARES Act 3513 and FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX  Collection Account Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$270.00} This collection account was never validated as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I requested verification, but the debt collector has failed to provide adequate documentation. The account was placed during an ongoing dispute and without proper notice.

This constitutes a violation of FDCPA 809 and FCRA 1681b as the collection is being reported and affecting my creditworthiness without proper validation. 
Requested Actions : 1. Immediate deletion of all inaccurately reported addresses listed above. 
XXXX. Comprehensive reinvestigation and deletion of late payments not properly validated. 
XXXX. Full removal of the XXXX XXXX XXXX collection account for non-compliance with validation and notice obligations. 
XXXX. Assurance of compliance with FCRA and FDCPA going forward. 
I am attaching supporting documents as needed, including proof of my correct address and past dispute letters sent. I am formally requesting that the CFPB investigate these reporting violations and ensure these inaccurate entries are corrected or deleted.

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