Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccuracies and violations on my credit report, which are causing significant harm to my creditworthiness and financial reputation. Despite my repeated efforts to resolve these issues directly with the creditors and credit reporting agencies, these errors remain uncorrected. Therefore, I am submitting this complaint to the Consumer Financial Protection Bureau to ensure these matters receive immediate attention and appropriate resolution.

1. Incorrect Address Information on My Credit Report My credit reports list several incorrect addresses that I have never resided at, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate and complete information. 
The incorrect addresses reported include, but are not limited to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These incorrect addresses create confusion, delay dispute processes, and violate the FCRA mandate to ensure maximum possible accuracy in consumer files. 
2. Late Payment Reporting on Multiple Accounts The following accounts inaccurately report late payments, despite my records indicating timely payments or errors in reporting. Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to dispute inaccurate information, and creditors must conduct a reasonable investigation upon receiving notice of dispute. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits debt collectors from using false or misleading representations.

The accounts affected are : XXXX XXXX  ( Acct : XXXX ) Date Opened : XX/XX/XXXXXXXX  High Balance : {$7300.00} Issue : Incorrect late payment reporting, which negatively impacts my credit score and is inaccurate per my payment records. 
Dept of EdXXXX ( Acct : XXXX XXXX  ) Date Opened : XX/XX/XXXXXXXX  High Balance : {$2700.00} Issue : Erroneous late payment entries reported. 
Dept of EdXXXX ( Acct : XXXXXXXX XXXX ) Date Opened : XX/XX/XXXXXXXX  High Balance : {$6200.00} Issue : Incorrect late payment status that does not reflect my actual payment history. 
Dept of EdXXXX ( Acct : XXXXXXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$5500.00} Issue : Inaccurate late payments listed. 
Dept of Ed/XXXX  ( Acct : XXXXXXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$20000.00} Issue : False reporting of late payments. 
Dept of Ed/XXXX  ( Acct : XXXX ) XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$13000.00} Issue : Erroneous late payment status damaging my credit report. 
Summary and Request These errors and inaccurate data are violations of my rights under the FCRA and FDCPA, causing unjust damage to my credit score and financial health. I request the following actions be taken : Immediate investigation and correction or removal of all inaccurate late payment entries on the accounts listed above. 
Removal of all incorrect addresses from my credit file to ensure accuracy and prevent further confusion. 
Written confirmation of the actions taken and corrections made to my credit report. 
Failure to address these disputes promptly violates federal law and the responsibilities of the credit bureaus and creditors to maintain accurate and fair reporting. 
Thank you for your prompt attention to these serious matters.

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