Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
I am submitting this formal complaint regarding numerous, serious inaccuracies that continue to appear on my credit reports, despite my right to fair and accurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and related consumer protection laws.

The following issues are being reported incorrectly and unfairly, damaging my creditworthiness and financial stability : XXXX. Wrong Personal Address Reporting The following addresses are false and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These are not my addresses, and their continued presence on my report creates confusion and raises unnecessary fraud concerns. 

2. Student Loan & Department of Education Accounts ( XXXX XXXXXXXX XXXX XXXX Numerous accounts under XXXX XXXX and XXXX are reporting late payments across multiple years. Many of these accounts are duplicate entries, inaccurately reported, or outdated : XXXX XXXX ( various account numbers : XXXX, XXXX, etc. ) reporting late payments on accounts opened between XXXX. 

XXXX accounts ( XXXX ) reporting late payments from 2006, well beyond the XXXX reporting limitation under the FCRA. 

These inaccurate and outdated entries must be removed immediately. 

XXXX Credit Card & Personal Loan Accounts The following accounts are being misreported as charge-offs or with late payments, many of which are inaccurate or duplicative : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX reporting. 

XXXX XXXX XXXX Reported as Charge-Off, despite balance showing {$0.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate accounts reported as Charge-Offs. 

XXXX XXXX XXXXXXXX Wrongly reported as Charge-Off. 

XXXX XXXX XXXX XXXX reporting. 

XXXX XXXX XXXX Charge-Off misreporting. 

XXXX XXXX XXXX payment misreporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy is still being reported. If XXXX, it must be accurately updated to show discharge status and should not continue to appear beyond the allowed reporting period. 

Consumer Rights Violations These errors constitute violations of my rights under the FCRA, including but not limited to : Failure to ensure maximum possible accuracy ( XXXX1e ( b ) ) Failure to remove obsolete information beyond 7 years ( 1681c ) Failure to conduct proper investigation upon disputes ( 1681i ) These repeated inaccuracies are damaging my creditworthiness, causing me financial harm, emotional distress, and denying me fair access to credit.

Requested Resolution I respectfully demand that the CFPB investigate these matters and require the credit reporting agencies and furnishers to : Delete all wrong addresses from my credit file.

Remove all outdated, duplicate, and inaccurate student loan entries ( older than 7 years ).

Correct or delete misreported Charge-Off and Late Payment accounts.

Update or delete the bankruptcy record if beyond the legal reporting period or misreported. 

Provide me with written confirmation of corrective actions taken.

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