Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
I am formally disputing multiple inaccurate items on my XXXX credit report that are causing significant damage to my credit score and personal reputation. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXi, I request that XXXX  immediately investigate and remove or correct all of the following items. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX Wrong Address Issue : This address does not belong to me. 
Law : FCRA XXXX ( b ) Duty to ensure accuracy Story : I have never lived at or been affiliated with this address. Including it in my credit file suggests either a mixed file or identity confusion. This false reporting poses a risk for further error or fraud. Please remove it immediately from my credit profile. 

XXXX XXXX # XXXX * * Date Opened : XX/XX/XXXX Balance : {$3600.00} Late Payments * * Issue : Late mark during pandemic forbearance Law : CARES Act XXXX XXXX, FCRA XXXX ( a ) Story : I was enrolled in a federally backed XXXX forbearance program. Reporting a missed payment while no payment was due is not just inaccurateit violates federal law and must be corrected without delay. 

XXXX XXXX # XXXX * * Date Opened : XX/XX/XXXX Balance : {$4400.00} Late Payments * * Issue : Incorrect delinquency during payment suspension Law : FCRA XXXX ( b ), CARES Act Story : Under the CARES Act, my student loans were in forbearance. XXXX report shows this account as late during that period, which is not only false but illegal. This must be removed. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$3400.00} Late Payments * * Issue : False negative payment entry Law : FCRA XXXX ( b ) ( XXXX ) ( D ) Story : This late payment was never due. The servicer confirmed my account was in suspended repayment, yet this was not reflected on my report. XXXX is obligated to remove unverifiable data. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$4200.00} Late Payments * * Issue : Late entry contradicts federal aid protections Law : FCRA XXXX Story : As part of the XXXX emergency relief, no payment was required on this account. XXXX has reported it as delinquent regardless. This is a direct violation of my legal rights and must be addressed. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Late Payments * * Issue : Violation of accurate reporting rules Law : FCRA XXXX Story : This account was in a frozen status under the CARES Act. By reporting it as late, XXXX is falsely suggesting financial irresponsibility where none exists. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$7300.00} Late Payments * * Issue : Erroneous negative mark Law : FCRA XXXX Story : The reporting of this account contradicts my loan servicers status. No delinquency occurred, yet XXXX  has failed to update it properly. Please delete the inaccurate data. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$4400.00} Late Payments * * Issue : False reporting during deferment Law : FCRA XXXX ( b ) Story : Payments were suspended as per federal policy. Despite thisXXXX XXXX  continues to report missed payments, which is misleading and harmful. This needs immediate correction. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$4500.00} Late Payments * * Issue : False delinquency Law : FCRA XXXX Story : This entry reflects missed payments that never occurred due to a federally approved forbearance. Reporting otherwise is illegal and misrepresents my financial behavior. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$2700.00} Late Payments * * Issue : Misleading reporting Law : FCRA XXXX ( b ) Story : XXXX has a duty to ensure accurate, complete, and current information. Reporting this account as late while under forbearance is a breach of that duty and must be rectified. 

XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance : {$4700.00} Charge Off * * Issue : Unverified charge-off remains after dispute Law : FCRA XXXX ( b ), FDCPA XXXX Story : I have requested validation of this account, but no documentation proving the charge-off was ever provided. XXXX has not corrected or removed it, violating the law. 

XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX BANK XXXX XX/XX/XXXX Inquiry Issue : Hard inquiries without my consent Law : FCRA XXXX ( a ) ( XXXX ) Story : These inquiries were made without my authorization or any credit application from me. They have impacted my credit score without a permissible purpose. Under the FCRA, such entries must be removed immediately. 

Conclusion : I am requesting XXXX to fully investigate the above items and provide written confirmation of your findings within XXXX days as required by FCRA XXXX. If you can not validate these accounts with proper documentation, you are legally obligated to delete them from my credit report. 

I have enclosed my photo ID and a utility bill as proof of identity and address. I expect prompt resolution to prevent further harm.

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