Consumer complaint received 2025-08-04 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Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute several inaccurate, outdated, and harmful pieces of information being reported on my credit profile by XXXX XXXX and the credit bureaus. These inaccuracies have caused me ongoing emotional distress, financial hardship, and reputational damage. Despite multiple attempts to resolve this directly with the credit reporting agencies and the furnisher, these issues remain unresolved. 
Addresses ( Wrong/Unauthorized ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : I have never resided at this location nor have I used this address in any financial, personal, or employment capacity Law : FCRA 1681e ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy Story : This address appeared on my report without my knowledge, likely due to file mixing or identity theft. Due to this, Ive been questioned by lenders and job agencies who believe I have undisclosed residences. This misreporting continues to harm my credibility, delay approvals, and interfere with my life. I demand its permanent removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not now, nor has it ever been, my residence Law : FCRA 1681i ( a ) I have the right to dispute incomplete or inaccurate information Story : Ive never received mail, bills, or credit offers at this address. I suspect identity confusion or administrative error. This address being tied to my identity misrepresents my location history and damages my credit profile. 
Accounts Late Payments XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$3700.00} * * Issue : Inaccurate late payment reported Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishers must not report inaccurate information Story : I paid this account using autopay. The delay occurred on the creditors end, not mine. The negative reporting severely dropped my credit score and impacted my ability to refinance my auto loan. This must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Late payment despite hardship request Law : FCRA 1681e ( b ), FDCPA 806 creditor failed to apply hardship protection Story : During a medical emergency, I notified the creditor requesting forbearance or payment flexibility. They denied me assistance and marked the account late, showing disregard for my situation. This act was predatory and hurt my credit unfairly. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1400.00} XXXX XXXX  Issue : False late payment entry Law : FCRA 1681i ( a ) ( 1 ) ( A ) consumer may dispute completeness or accuracy Story : My records show payment was made in time. The creditor refused to correct the report after multiple disputes. Ive suffered denials for job roles requiring credit checks because of this derogatory entry. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} * * Issue : Late payment reported during a payment arrangement Law : FCRA 1681s-2 ( b ) ( XXXX ) ( D ) if information is inaccurate or can not be verified, it must be corrected or deleted Story : I entered a hardship agreement due to temporary income loss. The account should have been protected. Instead, they marked me late and destroyed my payment history unfairly. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$430.00} * * Issue : Repeated inaccurate late payment claims Law : FCRA 1681e ( b ) Story : This account reflects a pattern of misreporting by the creditor. I requested review and correction, but it was ignored. Its affecting my rental applications and job offers. This must be deleted. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$450.00} * * Issue : Late reporting with no prior notice Law : FDCPA 809 consumers must be properly notified Story : I was not made aware of a missed payment until after the damage was done. This creditor never sent me any bills or notices. This unjustified negative item is harming me daily. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX   Date Opened : XX/XX/XXXX High Credit : {$5400.00} * * Issue : Late payment due to creditors delayed posting Law : FCRA 1681s-2 ( b ) Story : My payment cleared my bank before the due date, but was posted late by XXXX  XXXX. This error is not mine and has cost me thousands in interest due to a lower score. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$35000.00} * * Issue : Late payment reported during approved deferment Law : FCRA 1681c-2 ( a ) Story : XXXX agreed to defer payments due to job loss. They still reported me late during that grace period, violating our agreement and harming my mortgage application. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$21000.00} * * Issue : False late during COVID hardship Law : CARES Act + FCRA 1681s-2 Story : I was told COVID protections applied. Still, they marked me late and refused to adjust. This has created emotional distress and financial chaos in my life. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : False late payment Law : FCRA 611 right to dispute inaccuracies Story : Payment was confirmed through my bank. XXXX XXXX never responded to my dispute. Their failure to correct shows disregard for federal consumer protection. 
Collections XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} * * Issue : Duplicate and unverified Law : FCRA 1681e ( b ), FDCPA 809 Story : I have no record or acknowledgment of this debt. Ive repeatedly asked for validation none provided. Its affecting my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Invalid collection Law : FDCPA 807 ( 8 ) misleading representation of a debt Story : This was a paid-off account that reappeared in collections. Ive sent evidence. No correction made. This misrepresentation is unlawful and harmful. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Duplicate of SYNCH Portfolio Law : FCRA 1681e ( b ) Story : This same debt is being reported twice to inflate my balance and scare off lenders. This tactic is deceptive and must be removed. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Paid account marked as collection Law : FCRA 1681c-2 ( b ) inaccurate obsolete information Story : I have proof this account was paid. Still showing as delinquent. This is fraudulent and has delayed my loan application. 
Charge-Offs XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1100.00} * * Issue : Charge-off after account closure Law : FCRA 1681e ( b ) Story : I closed this account in agreement with the creditor. Marking it as a charge-off is dishonest and vengeful. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} XXXX XXXX  Issue : Inflated and false charge-off Law : FCRA 609 ( a ) ( 1 ) Story : The high balance is not accurate. No explanation provided. This false report is preventing me from rebuilding credit. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : False charge-off Law : FDCPA 807 false representation of debt Story : Account was never charged-off. XXXX XXXX never contacted me. This is misleading and defamatory. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX * * Issue : Improper charge-off Law : XXXX XXXX  Story : I was never given notice before the account was charged-off. They refused to respond to my dispute. This is a violation of due process. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Fraudulent account never mine Law : FCRA 1681c-2 ( a ) Story : I believe this account is the result of identity theft. Ive never authorized or opened anything with Celtic. Please investigate and delete permanently. 
I respectfully request that the CFPB intervene and investigate XXXX XXXX  reporting practices and the credit bureaus failure to remove or correct this false address and negative account. The continuous presence of these items has impaired my ability to obtain housing, fair credit, and employment. I have been denied loans and opportunities because of inaccurate and damaging information that should have been removed after my disputes. 
Under 15 U.S. Code 1681i ( a ) ( 5 ), if the investigation determines that the information is inaccurate, incomplete, or unverifiable, the information must be promptly deleted or modified. I urge the CFPB to enforce this provision and ensure my rights under the Fair Credit Reporting Act are respected.

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