Consumer complaint received 2025-09-05 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: PA

Complaint narrative:
I am writing to formally submit a complaint regarding several inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related consumer protection laws, that are currently present on my credit reports. These inaccurate and unlawful items are causing direct harm to my credit standing and must be investigated and resolved immediately. 

The following accounts and issues are disputed : Address Reporting Error XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is being reported on my credit file. This address is incorrect and does not belong to me. Reporting inaccurate personal information is a violation of FCRA 607 ( b ) which requires credit reporting agencies to ensure maximum possible accuracy. 

XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Reported with Late Payment. Reporting a late payment on a closed account with a XXXX balance is inaccurate and misleading, violating FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information they know or should know is inaccurate. 

XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$14000.00} Issue : Account is showing Late Payment entries that are inaccurate. Under FCRA XXXX ( a ) I have the right to dispute and demand reinvestigation of these claims. 

XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$470.00} Issue : This account is reported as Collection without proper validation of debt. Reporting a debt without providing validation upon request is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the FCRA. 

XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : Hard inquiries are being reported without my authorization. Under FCRA 604 ( a ), no consumer report may be accessed without a permissible purpose. Unpermitted inquiries must be deleted immediately. 

Story of Harm : These inaccurate and unlawful entries are directly damaging my creditworthiness, leading to higher interest rates, denial of credit opportunities, and reputational harm. The FCRA requires credit reporting agencies and furnishers to maintain the highest standards of accuracy. Failure to correct these issues after this formal dispute will be a willful violation of federal law, entitling me to statutory damages, actual damages, and attorneys fees under FCRA 616 & 617. 

Requested Resolution : Delete the inaccurate address. 

Remove all unlawful late payment notations and update accounts to accurate status. 

Cease reporting unverifiable collection accounts. 

Remove unauthorized inquiries. 

Provide written confirmation of the corrections. 

I request that the CFPB take immediate enforcement action to ensure compliance with federal law. Please also forward this complaint to the relevant credit reporting agencies and furnishers.

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