Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding numerous inaccurate, unverifiable, and unauthorized entries that are currently being reported on my credit reports by various furnishers and credit reporting agencies. These items are severely damaging my credit profile and are being reported in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681e ( b ), 1681s-2, 1681b, and 1681i. 
Despite my previous efforts to dispute these issues with the credit reporting agencies, many of the inaccuracies remain unresolved. Below are the details of the disputed entries, each with a corresponding legal violation and explanation : XXXX XXXX XXXX, MI XXXX Issue : Wrong Address Law : FCRA 1681e ( b ) This address is not now and has never been associated with me. I have never lived, worked, or received mail at this location. Its inclusion on my credit report indicates a failure in identity verification or file mixing by the credit reporting agency. This is a violation of the FCRAs requirement to maintain accurate and verifiable data. The presence of this address has led to difficulty verifying my identity, denial of credit, and damage to my reputation. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX Issue : Wrong Address Law : FCRA 1681c ( a ) ( 4 ), 1681e ( b ) I have never lived at this address. It appears to have been mistakenly added to my credit file, possibly due to identity theft or file merging. This misreported address is being used in association with accounts I never opened, and it has severely impacted my ability to pass credit checks. It has caused delays in employment, financial approvals, and verification processes. 
XXXX XXXX XXXX ( High Balance : {$390.00} | Opened : XX/XX/XXXX ) Issue : Late Payment Law : FCRA 1681s-2 ( a ), CARES Act 4021 This account reflects a late payment that occurred during a period of financial hardship caused by medical and employment-related issues. I notified the creditor in writing and requested accommodation, as authorized under the CARES Act. However, the creditor failed to update the reporting as required. Reporting me as late during a hardship without acknowledging my request is a direct violation of consumer protection laws. 
XXXX XXXX XXXX ( High Balance : {$2700.00} | Opened : XX/XX/XXXX ) Issue : Late Payment Law : FCRA 1681i ( a ), FDCPA This account was reported late due to a lack of communication from the creditor. I did not receive billing statements or notice of due dates after changing my address. Despite my efforts to update the information, the creditor failed to honor their duty to notify before delinquency. This late mark has unfairly harmed my credit score and created financial barriers for me. 
XXXX XXXX XXXX XXXX High Balance : {$1100.00} | Opened : XX/XX/XXXX ) Issue : Late Payment Law : FCRA 1681s-2 ( b ) This account is inaccurately reporting a late payment that was caused by a technical error on the lender 's system. I had auto-pay enabled, and my bank records confirm that funds were available. Despite providing evidence to both the creditor and the credit bureau, the late payment remains. This is not only inaccurate but a violation of my right to proper dispute investigation. 
XXXX XXXX XXXX XXXX  High Balance : {$500.00} | Opened : XX/XX/XXXX ) Issue : Late Payment Law : FCRA 1681s-2, 1681i The reported late payment is based on a delay caused by bank processing times. The payment was submitted on time, but due to a weekend delay, it posted two days later. This should not qualify as a late payment. I communicated this with supporting bank statements, but no update was made. The continued reporting of this status is damaging and unfair. 
XXXX XXXXXXXX XXXX ( High Balance : {$13000.00} | Opened : XX/XX/XXXX ) Issue : Late Payment Law : FCRA 1681s-2, CARES Act 4021 I informed XXXX about a financial hardship and requested support under the CARES Act. I was told my account would be protected from negative reporting during this period. However, a 60-day late mark was added anyway, despite assurances. This act of bad faith and failure to follow the law severely affected my credit and financial well-being. 
XXXX XXXX XXXXXXXX ( High Balance : {$3500.00} | Opened : XX/XX/XXXX ) Issue : Late Payment Law : FCRA 1681i, 1681s-2 ( b ) This account was misreported as late due to an internal error by Affirm. I contacted them multiple times and provided proof that I made timely payments. XXXX acknowledged the issue in writing, but the credit bureau has failed to reinvestigate or correct it. I have lost employment opportunities due to this false reporting. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b ( c ) This inquiry is unrecognized and not authorized. I have never applied for any credit or financial product with this organization. The inquiry is false, and its continued reporting is damaging my credit. 
Requested Resolution : I am requesting that the CFPB enforce the Fair Credit Reporting Act by requiring the following : Immediate removal of all inaccurate addresses from my credit profile Deletion or correction of all disputed late payment records Permanent removal of all unauthorized credit inquiries Written confirmation from each credit bureau and data furnisher reflecting corrections If the creditors and credit reporting agencies can not verify these items with documented evidence, they are required by law to delete them from my report. These entries are causing ongoing financial and reputational harm, and I am requesting swift resolution. 
Thank you for your time and attention to this 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