Consumer complaint received 2025-06-12 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: OK

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate and harmful entries reported by the credit bureaus ( Equifax, Experian, and TransUnion ) on my credit report. These inaccuracies include incorrect addresses, improper charge-offs, and misreported late payments that do not reflect my actual payment history or residency. 
1. Disputed Addresses ( Never Lived At / Incorrect ) I am being reported as having resided at the following addresses, which is categorically false : XXXXXXXX XXXX XXXX XXXX  OK XXXX Never lived here. 
XXXX XXXX XXXX XXXX XXXX, OK XXXX Never lived here. 
XXXX XXXX XXXX XXXX XXXX, OK XXXX Never lived here. 
These addresses are contributing to a misidentification of my credit file. Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting addresses where I never resided is a direct violation of this statute. 
2. Disputed Accounts and Issues ( A ) XXXX Account # : XXXXXXXX XXXX High Balance : {$6300.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This charge-off entry appears to be erroneous and does not reflect my accurate payment history. I have never received full validation or notice of this debt. Under 15 U.S.C. 1681s-2 ( b ), furnishers must investigate disputes and correct inaccurate information. Continued reporting of inaccurate or unverifiable information is a violation. 
( B ) XXXX  XXXX Account # : XXXXXXXX XXXX High Balance : {$6100.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account was paid through an approved hardship program, and yet it continues to report as a charge-off. This misreporting is damaging my credit unjustly and violates FCRA 623. Furthermore, no updated account resolution has been reflected, despite multiple disputes. 
( C ) XXXX Account # : XXXX High Balance : {$6400.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Late payment reporting is not accurate. I was under a documented financial hardship during this time, and the lender was notified. Under FCRA 1681s-2, furnishers are required to accurately update such situations. Failure to reflect the hardship violates consumer protections. 
( D ) XXXX XXXX  Account # : XXXXXXXX XXXX  High Balance : {$44000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This is a new account and should not have any late payments reported so early in the account history. I dispute the accuracy of this negative entry and request immediate investigation and correction in accordance with FCRA 611. 
( E ) XXXX XXXX Account # : XXXX XXXX XXXX  High Balance : {$12000.00} Date Opened : XX/XX/XXXXXXXX  Status : Late Payment Issue : This student loan account shows inaccurate delinquency reporting. I was granted a COVID-related administrative forbearance, which should protect against late payments. Reporting otherwise is a violation of CARES Act protections and FCRA standards for accurate reporting. 
Relief Requested I am requesting that the Consumer Financial Protection Bureau : 1. Investigate all listed accounts and verify their accuracy under FCRA and other applicable consumer protection laws.

2. Instruct the credit bureaus to remove all the incorrect addresses listed above.

3. Ensure that all data furnishers either validate, correct, or delete the disputed accounts in compliance with 15 U.S.C. 1681i.

4. Take appropriate regulatory action if the data furnishers or credit bureaus fail to comply with consumer protection requirements. 
Declaration I affirm under penalty of perjury that all the statements provided in this complaint are true to the best of my knowledge. I respectfully request the CFPB to act on my behalf to restore accuracy to my credit profile.

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