Consumer complaint received 2025-08-26 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: MA

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address : XXXX XXXX XXXX XXXX, MA XXXX Law/Issue : FCRA Section XXXX ( a ) ( XXXX ) Right to dispute inaccurate information Story : This address is incorrectly associated with my credit file. I have never lived, rented, or owned property at this location. Its reporting could mislead lenders to assume I reside here, potentially causing credit denials, higher interest rates, or mistaken legal responsibility. I request immediate removal and full explanation of how this erroneous data was added to my report. Verification must include furnishing evidence linking me to this address, which I know does not exist. 

Address : XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX Law/Issue : FCRA Section XXXX ( a ) ( XXXX ) Right to dispute inaccurate information Story : I have never resided at this location. Its reporting is false and could misattribute financial responsibility or fraudulent activity to me. This misinformation could affect my ability to obtain credit, loans, or rental housing. I request deletion and verification of how this address was added. Any unverifiable data must be removed immediately. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * Law/Issue : FCRA Section XXXX Accuracy and reinvestigation requirement ; FCRA Section XXXX ( a ) ( XXXX ) Duty of furnishers to provide accurate information Story : This account falsely reports late payments. I have maintained timely payments and have documentation proving it. Reporting inaccurate late payments damages my credit score, lowers my creditworthiness, and may result in higher interest rates or loan denials. I request full reinvestigation and correction to reflect my true payment history. Verification must include credible evidence from the creditor confirming any late payments, which I know are incorrect. 

Account : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$420.00} * * Law/Issue : FCRA Section XXXX Dispute resolution ; FCRA Section XXXX ( a ) ( XXXX ) Furnisher accuracy obligations Story : This account incorrectly reports late payments that never occurred. My records show all payments were made on time. This false reporting could mislead lenders, prevent me from obtaining favorable loan terms, and damage my financial reputation. I demand immediate verification and correction. Any unverifiable late payments must be removed. 

Account : AFFIRM XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * Law/Issue : FCRA Section XXXX Accuracy requirement ; FCRA Section XXXX ( a ) ( XXXX ) Furnisher duty Story : This account reports late payments that did not occur. Such false information harms my creditworthiness, potentially impacts my ability to secure financing, and misrepresents my payment history. I request a complete reinvestigation and correction. Any unverifiable negative information must be deleted. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} * * Law/Issue : FCRA Section XXXX Accuracy and reinvestigation ; FCRA Section XXXX ( a ) ( XXXX ) Duty to furnish accurate information Story : The reported late payments are false. I have consistently made on-time payments. Inaccurate reporting is lowering my credit score, harming my reputation, and potentially increasing financial costs. I request immediate reinvestigation and correction. Verification must include creditor documentation proving late payments, which is inaccurate. 

Inquiry : XXXX XXXX XX/XX/XXXX Law/Issue : FCRA Section XXXX ( a ) ( XXXX ) Permissible purpose Story : This inquiry was unauthorized. Reporting this negatively impacts my credit score. Remove immediately to maintain an accurate credit profile. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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