Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
I am filing this complaint because my credit report continues to show inaccurate addresses and accounts that do not belong to me or are being reported incorrectly. I have disputed these items with the credit bureaus, but they have failed to properly investigate and correct them as required by law. The presence of wrong addresses and unverifiable accounts creates a misleading and damaging profile of me, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). The credit reporting agencies are required to maintain maximum possible accuracy under FCRA 607 ( b ) and to reinvestigate disputed information under FCRA 611. They are also required under FCRA 609 to provide full verification of any account or address being reported. I am demanding that these matters be reviewed by the CFPB so that the credit bureaus and furnishers are held accountable for their continued violations XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX This variation of my address is inaccurate and not mine, and must be deleted. Law : FCRA 611, 602 XXXX XXXX XXXX XXXX, LA XXXX This is not an address tied to me and its reporting is harmful and misleading. Law : FCRA 607 ( b ), 611 3910 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX This incorrect address is creating confusion on my file and must be removed. Law : FCRA 609, 611 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Late Payment This account is being reported with late payments that are inaccurate and unverifiable. I dispute the accuracy of these notations, and the credit bureau has not provided any documented proof from the creditor. This is a violation of FCRA 607 ( b ) for failure to maintain accuracy and 611 for failure to correct after dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2000.00} Late Payment This account is showing late payments that are not accurate and are harmful to my creditworthiness. I requested verification, but none was provided. Law : FCRA 607 ( b ), 611 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account is closed but is still reported with late payment notations, which is misleading and inaccurate. The bureau has not corrected this after dispute, violating FCRA 607 ( b ), 609, 611 JEFF FIN XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Charge Off This account is being reported as a charge off incorrectly. I disputed this but no proper validation has been provided. The continued reporting without proof violates FCRA 607 ( b ), 611 I have given the credit bureaus and furnishers multiple opportunities to correct these mistakes, but they continue to ignore their obligations under the law. This has caused ongoing harm to my credit profile and financial standing. I am requesting the CFPB to take action against the credit bureaus and the furnishers for failing to comply with the Fair Credit Reporting Act, for not conducting proper reinvestigations, and for continuing to report unverifiable and inaccurate information on my credit file.

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