Consumer complaint received 2025-06-04 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:
Dear CFPB Team, I am writing to formally file a complaint against several creditors and credit reporting agencies due to repeated inaccurate reporting on my credit file. These inaccuracies include unjustified late payment notations, incorrect high balances, and erroneous address listings, all of which have caused substantial harm to my creditworthiness and financial standing. 
Below are the detailed accounts and issues I am disputing : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Late Payment reported inaccurately ; High balance reported is {$11000.00}, which is incorrect and does not reflect actual payments made. 
Legal Basis : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : Requires investigation and correction of inaccurate information after a dispute.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) : Prohibits false representation of the status of a debt. 
XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Multiple late payments reported erroneously ; high balance showing {$3900.00} is not accurate according to my records.

Legal Basis : FCRA 1681s-2 ( b ) : Obliges furnishers to correct or delete information found to be inaccurate or incomplete.

FDCPA 1692f : Prohibits unfair or unconscionable means to collect or report debt. 
XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Late payments reported inaccurately ; reported high balance of {$1400.00} does not match my account statements. 
Legal Basis : FCRA 1681e ( b ) : Creditors must ensure maximum possible accuracy in credit reporting.

FDCPA 1692c : Requires verification and validation of debts before reporting adverse information. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Repeated late payments inaccurately reported on multiple listings ; high balance listed as {$1400.00} is not accurate or verified. 
Legal Basis : FCRA 1681i : Requires reinvestigation of disputed information and correction of errors. 
FDCPA 1692g : Mandates provision of debt verification upon dispute. 
5. DEPARTMENT OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Incorrect late payments reported ; high balance reported as {$27000.00} is misleading and inconsistent with payment history. 
Legal Basis : FCRA 1681s-2 ( b ) : Requires accurate and complete reporting.

FDCPA 1692e : Prohibits false or misleading representations. 
6. Incorrect Addresses Reported on Credit File Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX These addresses have never been associated with my credit accounts or residence and their inclusion is misleading and violates my privacy. 
Legal Basis : FCRA 1681e ( b ) : Requires maximum accuracy of consumer information, including personal data.

FCRA 1681c : Limits reporting of inaccurate personal information.

Summary and Request for Resolution I have repeatedly contacted these creditors to correct the above inaccurate information, yet these errors persist, causing unwarranted damage to my credit profile. The continued reporting of false late payments, inflated balances, and erroneous addresses constitutes a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

I hereby request the CFPBs intervention to : Ensure all inaccurate late payment notations are removed or corrected.

Verify and adjust the reported balances to reflect accurate account information.

Remove all incorrect addresses from my credit report.

Conduct thorough investigations as required by law to prevent future inaccuracies.

Hold the furnishers accountable for non-compliance with federal credit reporting standards.

Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation and resolution. I trust the CFPB will help safeguard my rights and restore the accuracy and integrity of my credit report.

Thank you for your prompt attention to this serious matter.

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