Consumer complaint received 2025-09-27 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: PA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against the credit reporting agencies and the creditors/furnishers listed below. These accounts, late payments, charge-offs, and inquiries are being reported inaccurately, unfairly, and in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. 
I respectfully request that the CFPB investigate these matters, as they are causing me severe financial and personal harm. Below I will list the accounts in question and explain the issues with each one.

Wrong Address Reporting ( Violation of FCRA 607 ( b ) ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address I have never lived at this address, I have never signed a lease or utility contract there, never received mail there, nor have I ever had any association with this location, yet it is being connected to my name and credit file, this kind of inaccurate reporting is reckless because it paints me as someone who moves around frequently or has questionable stability which is not true, I have worked hard to maintain a clean and stable identity and the presence of this false address damages my credibility with lenders, landlords, and even employers, this kind of error violates FCRA 607 ( b ) because credit bureaus are legally required to follow reasonable procedures to assure maximum possible accuracy yet they have failed to do so in this case. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address Once again this address is completely false and tied to me without any justification, I have no lease, no mail, no financial activity there, no utility record, this is an error that undermines my true residency history, when creditors or housing providers see multiple addresses that do not belong to me they assume high risk behavior or instability, this has already caused me harm in credit applications, the reporting of this false information is gross negligence and violates my rights. 
Late Payment Reporting ( Violation of FCRA 607 ( b ), 609, 611, and 623 ) XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX High Credit {$2000.00} Reported Late Payment This reporting is completely inaccurate, I have always made my payments on time and have never once defaulted or been late with XXXX  XXXX, I keep strong records of my banking and payment history which proves I paid as agreed, yet the credit bureaus are reporting me as late, this false entry has damaged my credit score significantly and caused embarrassment and denial in financial opportunities, under FCRA 623 furnishers must not report inaccurate information, XXXX XXXX and the credit bureaus have failed their legal responsibility here and this must be corrected immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Reported Late Payment This account is being reported with a high credit of {$0.00} but still shows late payments which makes no logical sense, how can an account with no balance and no active loan show late payments, this proves the inaccuracy, I never made any late payments and yet I am being penalized as if I did, this false report has created serious obstacles when applying for auto financing and credit, the stress and financial damage I am suffering is due to clear violations of accuracy under the FCRA. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Reported Late Payment This account is also wrongfully reported, it shows no high credit and no active loan yet indicates late payments which can not be true, I dispute this in its entirety, I have never failed to make payments with Credit Acceptance and the information being spread about me is false, it is deeply unfair that I am suffering financial harm because furnishers and bureaus refuse to maintain accurate records, I want this false reporting corrected immediately to reflect my true history of on-time payments. 
XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Reported Late Payment I have never been late on my Department of Education account , I have documentation showing that my payments were current and in good standing, yet this account is being reported as late, this creates an unfair and damaging image of me as someone irresponsible with my student loan obligations which is absolutely false, the bureaus failure to maintain accuracy is a direct violation of the FCRA and I demand correction. 
XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Reported Late Payment This entry is another false report, I did not make late payments and the reporting is inaccurate, furthermore, this entry duplicates other accounts and misrepresents my payment history, this creates confusion and adds multiple negative marks for something that never happened, which is harmful and unlawful. 
XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Reported Late Payment Again this is inaccurate and misleading, I never made late payments on this account and yet it is being shown as derogatory, the duplication and inconsistency of these entries show gross negligence in maintaining my file and damages my credit reputation unfairly. 
XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Reported Late Payment This is a second duplicate of the same account showing the same wrong status, multiple duplicate accounts with late payment notations create an exaggerated negative impact on my report which is not only false but damaging, this practice violates the FCRA which demands accuracy and fairness in reporting, these must be corrected immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Reported Late Payment This reporting is false. I have never missed or been late on my student loan payments. I have documentation showing consistent and timely payments. By listing this as late, the bureaus are portraying me as financially irresponsible when I have done everything right. This inaccuracy has already created obstacles in refinancing opportunities and has damaged my trust with lenders. Under FCRA 623, furnishers can not report false information. I am being unfairly punished for something that never happened, and I demand correction. 
XXXXT OF EXXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$0.00} Reported Late Payment I strongly dispute this entry. I never made late payments on this account. Not only is this wrong, but it also duplicates similar false entries, which makes it appear as though I had multiple late accounts when in reality I did not. This is misleading to lenders, employers, and landlords reviewing my report. The duplication of inaccurate information exaggerates the damage to my credit score, which is unlawful and in direct violation of FCRA 607 ( b ). XXXX OF XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Reported Late Payment This is another wrongful late payment entry. I never made any delinquent payments, and the records in my possession prove my on-time history. Yet my report falsely reflects me as delinquent, which is devastating when applying for mortgages, car loans, or employment requiring credit checks. These false entries create the appearance of financial instability that simply does not exist. This is damaging my livelihood and must be corrected. 
Charge-Off Account XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$4500.00} Charge Off I dispute this account completely. I have no knowledge of this account, no signed contract, no loan, and no business relationship with XXXX XXXX XXXX. I never authorized this debt and do not owe this balance. This charge-off has been wrongfully attached to my name and is causing serious harm to my creditworthiness, preventing me from accessing fair credit opportunities. Reporting such an account without proof of ownership or contract is reckless and unlawful under FCRA 607 ( b ). I am being labeled as someone who defaults on obligations I never had, and this false narrative is ruining my ability to move forward financially. I demand deletion of this false and harmful charge-off.

Hard Inquiries ( Unauthorized Violation of FCRA 604 ) XXXX XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry. I never authorized XXXX XXXX to access my credit file. Their presence on my report creates false and damaging impressions. 
XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry. I never applied with XXXX XXXX. I want this removed because it misrepresents my actual credit activity. 
XXXX XXXX XX/XX/XXXX XXXX This inquiry is false. I have never had any credit dealings with XXXX XXXX. The presence of this inquiry lowers my creditworthiness unfairly. 
XXXX XXXX XX/XX/XXXX Inquiry I never gave permission to XXXX XXXX XXXX to pull my credit report. This inquiry is unauthorized, unlawful, and harmful. 
Conclusion : All of the above accounts, late payments, charge-offs, and inquiries are false, inaccurate, and harmful. They are in violation of the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). I demand that the CFPB take immediate action to investigate these violations, hold the furnishers and agencies accountable, and require the removal/correction of these inaccurate records from my credit file. 
I have suffered severe damage to my creditworthiness, emotional distress, and financial setbacks due to these illegal and inaccurate reports. I seek your urgent assistance to restore the integrity of my consumer 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