Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
I am submitting this complaint to address multiple inaccuracies and violations on my credit report which are causing severe financial harm and distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting and timely investigation of disputed items. I am exercising my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ) to request a thorough reinvestigation and correction of all erroneous information. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address has never been my residence, and reporting it violates FCRA 15 U.S.C. 1681e ( b ), which requires accurate personal identifying information. The inclusion of this address creates confusion and may result in misattribution of accounts. Previous disputes requesting deletion of this address have been ignored. The continued reporting of this incorrect information misrepresents my residency history. I have never signed any lease, utility, or other agreements linked to this property. The inaccurate reporting has interfered with my ability to obtain credit. Creditors reviewing my report may associate accounts with this address erroneously. The reporting agency has failed to verify this information with proper documentation. This constitutes negligence under FCRA 1681i ( a ). I demand the immediate removal of this address from my credit file. Any accounts associated with this incorrect address must also be verified. I am requesting written confirmation once this correction has been made. Maintaining false address information is a violation of federal law. Accurate reporting is required to prevent continued harm to my financial reputation. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address is also entirely inaccurate and has never been linked to me. Reporting it violates FCRA 15 U.S.C. 1681i ( a ), which requires reasonable procedures to ensure accuracy and proper verification. The continued listing of this address is misleading and harms my credit profile. I have never received mail, statements, or notices at this location. The reporting agency has ignored previous disputes on this address. Incorrect addresses increase the risk of false account associations. The presence of this inaccurate information misleads creditors and lenders. I demand immediate removal and verification with proper documentation. Continued reporting without verification constitutes a violation of my rights under the FCRA. The inaccurate listing has affected my credit applications. Proper reinvestigation must be completed per federal law. I am requesting written confirmation of deletion or correction. Accurate reporting is legally required to protect consumers. 

XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} * * This account incorrectly reports a late payment, which violates FCRA 15 U.S.C. 1681i ( a ). I have verified all my payment records and can confirm that payments were made timely. Reporting a false late payment misleads creditors, negatively affects my XXXX XXXX, and violates my rights. The credit bureau has failed to reinvestigate after my prior dispute. The creditor has no verified documentation supporting the late payment. FCRA requires verification before reporting adverse information. I request immediate correction or deletion of this inaccurate entry. Maintaining false reporting is harmful and illegal. The late payment notation affects my ability to secure loans or favorable credit terms. I demand that all supporting documents be provided to me for review. Inaccurate reporting without verification is a breach of federal law. I request written confirmation once corrected. Any repeated failure to correct will prompt further regulatory actions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120.00} XXXX XXXX This account incorrectly reports a late payment in violation of FCRA 15 U.S.C. 1681i ( a ). I have full documentation showing that all payments were made on time. The false reporting is misleading to creditors and negatively impacts my creditworthiness. Previous disputes have been ignored, which constitutes negligence. Reporting unverified negative information is illegal under federal law. The credit bureau must contact the creditor for verified documentation before reporting. Continued reporting of inaccurate late payments is harmful and unlawful. The account history should reflect accurate payment dates. I demand deletion of the false late payment. Reinvestigation must be conducted in compliance with the FCRA. Written confirmation of correction is requested. Accurate reporting is necessary to restore my credit profile. Any failure to correct is a violation of my legal rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX  This account incorrectly shows a late payment. FCRA 15 U.S.C. 1681i ( a ) requires that any disputed information be verified. My payment records indicate all payments were made on time, and the reporting of a late payment is false. Misreporting affects my creditworthiness and potential borrowing opportunities. Previous disputes have been ignored, which violates federal law. XXXX with the creditor must be conducted before reporting. I request deletion or correction of this inaccurate late payment. The false reporting is misleading and harms my financial reputation. Written confirmation of the correction is required. Failure to comply violates the FCRA. Accurate reporting is mandatory to protect consumers. I demand full reinvestigation per federal standards. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$510.00} XXXX XXXX The reported late payment on this account is false and violates FCRA 15 U.S.C. 1681i ( a ). I have complete records showing timely payments. Reporting unverified negative information misleads creditors and adversely impacts my XXXX XXXX. Prior disputes have not resulted in correction, which is negligent. The credit bureau must verify the information with XXXX before continuing to report. Failure to do so is unlawful. The false late payment harms my credit applications. I demand deletion or accurate reporting immediately. XXXX documentation must be provided. The reporting agency is legally required to correct errors. Reinvestigation must comply fully with the FCRA. Written confirmation is required upon correction. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX This account inaccurately shows a late payment, violating FCRA 15 U.S.C. 1681i ( a ). I have reviewed all records and confirmed that payments were made timely. False reporting of late payments misleads creditors and negatively affects my credit profile. Previous disputes have been ignored. The credit bureau must contact the creditor to verify information before reporting adverse data. Maintaining false negative entries is unlawful. I demand immediate correction or deletion of this account. Written confirmation of accurate reporting is requested. Failure to comply is a violation of my rights. Proper reinvestigation is required by law. I expect full compliance and documentation. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized and violates FCRA 15 U.S.C. 1681b. I did not request or approve this credit pull. Reporting an inquiry without authorization is misleading to lenders and negatively impacts my XXXX XXXX. Previous disputes have not corrected this inaccurate reporting. The reporting agency must verify authorization before continuing to report. Failure to remove this inquiry is unlawful. I demand immediate deletion. Documentation proving authorization must be provided if it exists. Maintaining this inaccurate inquiry violates federal law. Written confirmation of deletion is required. FCRA 1681i ( a ) requires reinvestigation of disputed items. Continued reporting is harmful to my credit. XXXX action is required. 

XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized and reported in violation of FCRA 15 U.S.C. 1681b. I did not authorize this credit check, and its presence is misleading to lenders. Previous disputes have not corrected this issue. The reporting agency must verify authorization before reporting. Failure to remove unauthorized inquiries violates federal law. I demand deletion of this inquiry. Documentation proving authorization must be provided if it exists. Maintaining unauthorized inquiries is illegal. Written confirmation is required. FCRA 1681i ( a ) requires correction of inaccurate reporting. Continued reporting harms my credit. Immediate action is requested. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry is also unauthorized and violates FCRA 15 U.S.C. 1681b. I did not approve or request this inquiry. Reporting it is misleading and negatively impacts my creditworthiness. Previous disputes have not resulted in correction. The credit bureau must verify authorization. Failure to remove this inquiry is a violation of federal law. I demand deletion. Documentation proving authorization must be supplied if any exists. Maintaining this inquiry is unlawful. Written confirmation of removal is requested. FCRA 1681i ( a ) mandates full reinvestigation. Continued reporting is harmful. Immediate corrective action is required. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized and violates FCRA 15 U.S.C. 1681b. I did not authorize this credit pull. Reporting it is misleading and harms my credit profile. Previous disputes have not corrected this inaccuracy. The credit bureau must verify authorization. Failure to remove this inquiry violates federal law. I demand immediate deletion. Documentation proving authorization must be supplied if any exists. Maintaining unauthorized inquiries is illegal. Written confirmation of deletion is required. FCRA 1681i ( a ) mandates reinvestigation of disputed items. Continued reporting is harmful. Immediate corrective action is required. 

XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and reported in violation of FCRA 15 U.S.C. 1681b. I did not request or approve this inquiry. Reporting it misleads lenders and negatively impacts my credit. Previous disputes have not resulted in correction. The credit bureau must verify authorization. Failure to remove unauthorized inquiries violates federal law. I demand deletion of this inquiry. Documentation proving authorization must be provided if it exists. Maintaining this inquiry is unlawful. Written confirmation of deletion is required. FCRA 1681i ( a ) requires reinvestigation. Continued reporting is harmful to my credit. Immediate corrective action is required.

I demand that all disputed items be fully investigated, corrected, or removed as required under 15 U.S.C. 1681i and 1681e ( b ). Failure to comply constitutes a continued violation of the FCRA and causes ongoing financial harm. I request CFPB intervention to ensure all corrections are made promptly and that my credit report accurately reflects my credit 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