Consumer complaint received 2025-10-09 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: WA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to dispute multiple inaccurate and fraudulent items on my credit report. These inaccuracies have caused financial harm, impaired my creditworthiness, and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including sections 1681i ( a ) ( 1 ) for reinvestigation of disputed information, 1681e ( b ) for accuracy, and 1681g for consumer disclosures. Each item below is inaccurate, incomplete, or misleading, and I demand a full investigation and correction. 

Address : XXXX XXXX XXXX XXXX, WA XXXX This address is inaccurate and not connected to me in any way. I have never lived or received mail there. Reporting this address violates FCRA 607 ( b ) and 611 ( a ) ( XXXX ) ( A ) because it has not been properly verified. Continued inclusion of this false address suggests file contamination or identity mix-up. I demand its immediate deletion and written confirmation of removal within the 30-day reinvestigation period required by law. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260.00} Late Payment This late payment is inaccurate and violates FCRA 1681i, which mandates proper verification of disputed items. I have previously provided documentation proving timely payments. Reporting this late payment without verification negatively impacts my creditworthiness, misleads potential lenders, and causes financial harm. XXXX XXXX has failed to provide evidence supporting this late payment. Continued reporting of this inaccurate information is unlawful. Under FCRA, I am entitled to deletion of unverifiable information. I request immediate removal or correction of this late payment. This reporting error falsely affects my credit score and misrepresents my payment history. I have provided statements and confirmations from XXXX XXXX that demonstrate compliance with payment terms. The continued presence of this inaccurate late payment constitutes a violation of federal law. I demand verification or deletion as required under FCRA. Proper investigation should include reviewing payment records, account statements, and communication logs. Misreporting this late payment affects my ability to secure future credit and may influence lenders decisions. Continued reporting also exposes the bureau to legal liability for failing to correct known inaccuracies. I request that this account be corrected or deleted immediately and confirmation provided in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2800.00} Late Payment This late payment is inaccurately reported and violates FCRA 1681i which requires reinvestigation of disputed items. I have submitted evidence proving on-time payments. Continued reporting of this inaccurate information misrepresents my credit history and harms my ability to obtain credit. Reporting false late payments is a violation of FCRA and negatively impacts financial reputation. The bureau must verify with original account statements, payment logs, and official correspondence. Failure to provide verification requires deletion of this late payment. Misreporting affects lending decisions, interest rates, and financial credibility. Duplicate, inaccurate, or unverifiable entries are prohibited under FCRA 611 ( a ). I demand deletion or correction immediately. Written confirmation is required upon resolution. The bureaus failure to reinvestigate properly constitutes ongoing violations of federal law. Proper investigation must include a full review of documentation provided. This account must be corrected to reflect accurate payment history. Misreporting false delinquencies continues to cause harm to my credit profile. I request immediate correction or deletion under FCRA requirements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6200.00} Late Payment This is a duplicate entry showing a late payment, violating FCRA 611 ( a ) ( 1 ). Reporting duplicate accounts misrepresents my creditworthiness. I request immediate deletion of this duplicate entry. Continued reporting of duplicates harms my credit score and misleads lenders. Duplicate entries are prohibited under FCRA 611 ( a ) and must be removed. Verification should include reviewing all account statements and payment history. Continued reporting violates federal law and negatively impacts financial opportunities. I request written confirmation of deletion. Reporting duplicate late payments is misleading and constitutes a violation of FCRA. Failure to correct exposes the bureau to legal liability. Proper reinvestigation is required to ensure accuracy. I demand correction or removal immediately. This entry falsely inflates my reported debt and misrepresents my credit history. Immediate action is required to comply with FCRA 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Late Payment This late payment is inaccurately reported, violating FCRA 1681i. I have provided evidence proving on-time payments and account compliance. Reporting inaccurate late payments misrepresents my credit history and damages financial reputation. Failure to verify constitutes unlawful reporting. The bureau must review original statements, payment logs, and confirmations. Misreporting harms credit score, lending eligibility, and financial opportunities. Duplicate or unverifiable reporting is prohibited under FCRA 611 ( a ). I request immediate deletion or correction. Continued reporting without verification is a violation of federal law. Proper investigation should include thorough review of account history and supporting documentation. I demand written confirmation once corrected. Misreporting false delinquencies continues to harm my financial profile. I request immediate correction or deletion under FCRA 1681i. 

Inquirie : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized inquiry. I never applied for credit with XXXX XXXX XXXX. FCRA 604 ( a ) requires deletion of inquiries made without consent. Reporting this inquiry harms my creditworthiness and misrepresents my financial activity. Continued reporting violates federal law. The bureau must remove this inquiry immediately. I request written confirmation once deleted. Misreporting unauthorized inquiries affects credit decisions. Immediate removal is required. 

I demand that CFPB oversee the full reinvestigation of all disputed addresses and accounts, verify the accuracy of each item, remove any unverifiable or false information, and ensure that all reporting agencies comply with FCRA standards. These errors are affecting my ability to access credit fairly and misrepresent my financial history.

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