Consumer complaint received 2025-08-06 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:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately XXXX XXXX XXXX XXXX, MI XXXX Issue : This address is incorrect on my credit report. It is not associated with me and has caused confusion and potential harm to my credit credibility. 
Law : Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have the right to dispute inaccurate information and demand prompt correction or removal of erroneous data. 
Story : The inclusion of this wrong address has created difficulties in verifying my identity and delayed essential financial transactions. I have continuously faced identity verification issues, which violate my consumer rights and result in unfair treatment by lenders. 

XXXX BROUGHAM CT XXXX XXXX XXXX, MI XXXX Issue : This address is inaccurately linked to my credit profile. This misinformation can lead to wrongful assumptions regarding my residential stability. 
Law : According to FCRA XXXX XXXX, you are required to investigate disputed items and correct or delete information found to be inaccurate within 30 days. 
Story : Due to this incorrect address, I have experienced unnecessary credit inquiries and account rejections, adversely affecting my creditworthiness and causing emotional distress. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$59.00} Issue : Reported as late payment though I have never been late. This is damaging my credit score unjustly. 
Law : FCRA Section XXXX requires furnishers of information to provide accurate data. Reporting a late payment incorrectly violates this rule. 
Story : The wrongful reporting has led to declined credit applications and higher interest rates, creating financial stress and limiting my borrowing capacity. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$98.00} Issue : Incorrect late payment status reported ; payments were made on time according to my bank records. 
Law : The FCRA entitles consumers to dispute and have inaccurate credit information corrected or removed promptly ( Section 611 ). 
Story : Because of this incorrect late payment record, I have been unfairly penalized by creditors, affecting my ability to enjoy fair loan terms. 

XXXX XXXX AND CO XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Issue : This account incorrectly shows a late payment status which I dispute. 
Law : Consumer Financial Protection Bureau ( CFPB ) guidelines require correct reporting to prevent harm to consumers. 
Story : The late payment misreport has diminished my credit score, significantly impacting my financial reputation and opportunities. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Marked as a late payment despite zero balance and timely payments. 
XXXX : XXXX FCRA, both credit bureaus and furnishers must maintain reasonable procedures to ensure accuracy. 
XXXX : This error has negatively influenced my creditworthiness, creating unwarranted difficulty in obtaining new credit or refinancing existing loans. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized credit inquiries impacting my credit score.

Law : Under FCRA Section 604, only authorized parties may access an individuals credit report ; unauthorized inquiries must be removed. 
Story : Multiple unauthorized inquiries have resulted in decreased credit score and suspicion from creditors, limiting my financial growth. 

XXXX XXXX XX/XX/XXXX Issue : Repeated unauthorized inquiry further lowering my credit standing. 
Law : FCRA requires investigation and removal of unauthorized inquiries. 
Story : This has caused cumulative negative effect on my credit, restricting my financial freedom. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Multiple inquiries without permission or notification. 
Law : Violates consumer rights under FCRA and must be removed. 
Story : These inquiries have unjustly affected my creditworthiness and caused financial distress. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Issue : Inaccurate inquiry on my credit report with no application or consent. 
Law : FCRA Section 604 mandates removal of unauthorized credit inquiries.

Story : This has led to a lower credit score and hindered my ability to obtain affordable credit. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

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