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: NY

Complaint narrative:
I am filing this complaint because multiple inaccurate items remain on my credit report despite six rounds of formal disputes. I have followed all proper procedures to request reinvestigation, validation, and deletion, but the credit bureaus have failed to correct or remove the false information. The following is a breakdown of the disputed items with clear explanation and the applicable FCRA laws violated.

Wrong Personal Information ( Addresses ) XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Issue : I have never lived at this address. Its presence on my credit report is misleading and raises identity concerns.

Law Violated : Under FCRA 1681e ( b ), credit bureaus must follow reasonable procedures to assure the maximum possible accuracy of the information they report. This incorrect address violates that requirement.

Requested Action : Delete this address immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Issue : This is not my residence and was reported in error. I have disputed this multiple times without resolution.

Law Violated : FCRA 1681e ( b ) reporting false personal information is negligent and can negatively impact creditworthiness.

Requested Action : Delete this address immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Issue : I do not recognize or have any link to this address. It creates confusion during identity verification and is not valid.

Law Violated : FCRA 1681e ( b ) the address is inaccurate and should be removed.

Requested Action : Delete this address immediately.

Disputed Accounts XXXX  XXXX | Acct # : XXXX XXXX XXXX  | Balance : {$950.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : This account is reporting a late payment that I dispute. There is no documentation showing billing statements, due dates, or that I was properly notified. I have repeatedly requested verification and none has been provided.

Law Violated : FCRA 1681i ( a ) : The bureau must conduct a reasonable reinvestigation of disputed information.

FCRA 1681s-2 ( b ) : The furnisher must correct or delete inaccurate data when a dispute is submitted.

Requested Action : Remove the late payment or delete the account in the absence of proper validation. 

XXXX | Acct # : XXXXXXXX XXXX XXXX  | Balance : {$1300.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : The late payment reported on this account is inaccurate. I have not received validation of the payment history, and the negative mark remains unverified. This affects my credit profile unfairly.

Law Violated : FCRA 1681i ( a ) : Failure to conduct a complete reinvestigation.

FCRA 1681s-2 ( b ) : The furnisher did not supply supporting documentation when requested.

Requested Action : Delete the late payment or the account entirely if verification can not be provided. 

XXXX XXXX XXXX XXXX | Acct # : XXXX | Balance : {$0.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : This account is being reported as a charge-off despite a {$0.00} balance. A {$0.00} balance indicates resolution, yet its still being reported negatively. This is misleading and damaging.

Law Violated : FCRA 1681e ( b ) : Bureaus must ensure data is accurate and not misleading.

FCRA 1681c ( a ) ( 4 ) : Data must not include outdated or resolved derogatory accounts.

Requested Action : Delete this charge-off or update the account to reflect paid status and remove derogatory remarks. 

XXXX XXXX XXXX XXXX | Acct # : XXXX | Balance : {$0.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Similar to the above, this account shows a charge-off despite being resolved and showing no balance owed. Reporting it as a negative tradeline is inaccurate.

Law Violated : FCRA 1681e ( b ) : This account is being reported inaccurately.

FCRA 1681c ( a ) ( 4 ) : No valid reason exists to continue derogatory reporting on a closed, zero-balance account.

Requested Action : Delete the charge-off or update the status to reflect Paid/Closed in Good Standing.

Unauthorized or Unverified Inquiries XXXX | Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry. I did not apply for credit with XXXX XXXX  on that date. 
Law Violated : FCRA 1681b ( c ) : Credit inquiries require a permissible purpose or written authorization.

Requested Action : Delete this inquiry immediately. 

XXXX XXXX | Date : XX/XX/XXXX Issue : I never gave permission for this institution to access my credit. I have no account or credit application with them.

Law Violated : FCRA 1681b ( c ) : The inquiry lacks a permissible purpose.

Requested Action : Delete this inquiry immediately.

Requested Resolution : Delete all inaccurate addresses, late payments, charge-offs, and unauthorized inquiries listed above.

Provide written confirmation of deletions or verifiable documentation to prove accuracy.

Ensure all future reporting complies with the FCRA and reinvestigations are conducted thoroughly.

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