Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am filing this complaint with the CFPB to formally dispute multiple inaccuracies on my credit report that are negatively affecting my creditworthiness and causing financial harm. The credit reporting agencies have listed incorrect addresses and reported false late payments on several accounts, in violation of the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 609, 611, and 623 ( a ) ( 1 ). I am requesting full investigation, correction, or deletion of all inaccurate information to restore the integrity of my credit file. These errors have created confusion with lenders, damaged my credit reputation, and violated my federal consumer rights. Immediate CFPB intervention is required to hold the credit bureaus and furnishers accountable for their failure to ensure maximum possible accuracy. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is inaccurately reported on my credit report and is not associated with me in any manner. Reporting this false address misleads creditors and creates a false representation of my residential history. I have never lived at this property, nor has any account or correspondence ever been linked to this address. Under FCRA 1681i, I am entitled to dispute inaccurate information and require a complete reinvestigation. Previous disputes have failed to correct this inaccuracy, demonstrating negligence in verification practices. The continued presence of this address exposes me to potential fraudulent claims and wrongful collection attempts. All official documents including government-issued IDs, lease agreements, and utility statements confirm I have never resided at this location. The inaccurate reporting has already contributed to credit denials, higher interest rates, and undue financial risk. I demand the bureau conduct full verification and remove this address permanently. Reporting false addresses violates FCRA 1681e ( b ), which requires maximum possible accuracy. Creditors rely on these records, and continued errors undermine my creditworthiness. Immediate removal is necessary to prevent further harm, including potential identity confusion or misattribution of debt. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is inaccurately reported as having late payments. I have always made payments on time, and the reported late payment is incorrect. Under FCRA 1681i and 1681s-2, reporting agencies must ensure accurate and complete information, and I am entitled to a reinvestigation of disputed items. My payment history, bank statements, and correspondence with XXXX XXXX confirm timely payments. The continued inaccurate reporting has caused denials of credit, higher interest rates, and other financial harm. Previous reinvestigations failed to correct this, showing negligence in verifying account information. Reporting false late payments violates FCRA 1681e ( b ), which mandates maximum accuracy in credit reporting. I demand verification directly with the creditor, submission of all payment records, and permanent removal of this inaccurate late payment. This false information has caused stress, financial strain, and a misrepresentation of my creditworthiness. Any unverifiable late payment must be deleted immediately. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is inaccurately reported with late payments. I have consistently fulfilled all payment obligations, as confirmed by my account statements and communications with the creditor. Under FCRA 1681i, the bureau is required to verify disputed information thoroughly. The misreporting has already damaged my credit profile, resulting in financial harm such as higher interest rates and potential loan denials. Continued reporting of inaccurate late payments demonstrates negligence in verification practices. Reinvestigation must include direct verification with the creditor and submission of complete payment documentation. Reporting unverifiable late payments violates FCRA 1681e ( b ). I demand the immediate correction or removal of this false information to restore the integrity of my credit profile. Inaccurate reporting of this account undermines my creditworthiness and exposes me to unnecessary financial risk. Permanent removal is required to comply with federal law and prevent further harm. 

Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account is incorrectly reported as having late payments. I have fulfilled all obligations on time. Under FCRA 1681i, I have the right to dispute inaccuracies and demand verification. Misreporting late payments on this account has already caused tangible harm, including denial of credit, higher loan costs, and undue stress. Documentation including bank statements and creditor correspondence confirms my timely payments. The bureaus failure to correct this item demonstrates insufficient verification processes. Reporting false late payments violates FCRA 1681e ( b ). I demand a thorough reinvestigation, verification with the original creditor, and permanent removal of inaccurate entries. Any unverifiable information must be deleted immediately to prevent ongoing harm. This inaccurate reporting compromises my financial reputation, exposes me to risk, and violates federal law. 

I am filing this complaint with the CFPB to formally dispute multiple inaccuracies on my credit report that are negatively affecting my creditworthiness and causing financial harm. The credit reporting agencies have listed incorrect addresses and reported false late payments on several accounts, in violation of the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 609, 611, and 623 ( a ) ( 1 ). I am requesting full investigation, correction, or deletion of all inaccurate information to restore the integrity of my credit file. These errors have created confusion with lenders, damaged my credit reputation, and violated my federal consumer rights. Immediate CFPB intervention is required to hold the credit bureaus and furnishers accountable for their failure to ensure maximum possible accuracy.

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