Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to report serious and repeated violations of my consumer rights by credit reporting agencies and data furnishers. The following inaccurate and damaging items are being reported on my credit file despite being false, unverifiable, or outright misrepresented. I have disputed these items multiple times, but they continue to remain on my credit report without correction or resolution. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Issue : Similar to the issue above, this incorrect/unknown address is associated with my profile even though I have never lived or had legal or commercial ties to this address. 
Law : According to the FCRA ( Section 609 and Section 611 ), I have a right to know all information in my file and to have inaccurate, incomplete, or unverifiable information removed or corrected. 
Story : Failure to remove this false address is causing confusion for address verification in lending and service relationships. This kind of inaccuracy can cause lenders or insurers to see me as a greater risk than I truly am, possibly resulting in denials or higher costs. Such consequences are unjustified, making urgent correction vital for my fair treatment under the law. 

XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> High Credit : {$2300.00} Issue : This account is inaccurately reported as having late payments, whereas all my payments have been made in accordance with the correct schedule ; the reported delinquencies are erroneous and unfounded. 
Law : The FCRA obligates accurate reporting of payment histories, and creditors are required to investigate and correct any disputed inaccuracies within 30 days of receiving notice. The Fair Debt Collection Practices Act ( FDCPA ) also restricts reporting false or misleading information. 
Story : The impact of these false late payments has been devastating, leading to a reduction in my credit score, embarrassment, higher interest rates, and denial of necessary financial products. The emotional toll and practical harm are unacceptable given my clear record of responsible financial conduct. I expect an immediate update to reflect my true history. 

Requested Relief : I am requesting CFPB 's immediate assistance to enforce my consumer rights and demand that the credit reporting agencies : 1. Delete the wrong addresses from my credit report. 
2. Remove all inaccurate and duplicate accounts, especially from XXXX XXXX. 
3. Update all accounts reflecting incorrect charge-offs and late payments, particularly where hardship or resolution existed.

4. Provide evidence of proper investigation and validation from data furnishers or delete the entries. 
5. Ensure that all information on my credit file complies with FCRA, FDCPA, and all relevant consumer protection laws. 
I have attached supporting documentation and copies of my disputes sent directly to the credit bureaus and data furnishers. Please review and take immediate action to prevent further harm to my financial reputation and credit access.

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