Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
Dear CFPB, I am filing this formal complaint against the following credit bureaus and data furnishers for reporting inaccurate, outdated, and unverifiable information on my credit report. This complaint is filed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

Below is a detailed breakdown of the addresses, accounts, and inquiries that are falsely associated with me, along with the relevant legal violations and personal impact : XXXX XXXX XXXX XXXX, MD XXXX Wrong Address Issue : This address does not belong to me and I have never lived there Law : Under FCRA 607 ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer reports Story : I discovered this false address during a background check for an apartment application. The landlord questioned my identity because this address didnt match my documents. I was humiliated and eventually denied the lease. I believe this address was added either due to a mixed file or third-party error. I demand this address be removed immediately as it does not reflect my actual history and is damaging my credibility XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This is not and has never been my residence Law : FCRA mandates that unverifiable information be deleted within XXXX  days of dispute ( FCRA 611 ( a ) ) Story : I was denied financing for a small business loan because the lender suspected identity inconsistency based on this address. I had to explain and prove where Ive actually lived, which delayed the funding and cost me an important business deal. This wrong address affects my life and finances directly and needs to be removed without delay XXXX XXXX XXXX XXXX XXXX  Late Payment ( Opened : XX/XX/XXXX | Balance : {$180000.00} ) * * Issue : Inaccurate and harmful reporting of late payment Law : Under the CARES Act Section 4021 and FCRA 623 ( a ) ( 1 ) ( A ), creditors are required to report accommodations fairly and not penalize borrowers affected by national emergencies Story : During the COVID-19 pandemic, I experienced significant income loss. I contacted XXXX XXXX  to request forbearance or hardship assistance. I was told verbally that my account was in forbearance, and I relied on that. Later, they reported me late without proper notice or opportunity to cure. This destroyed my credit and disqualified me from a first-time homebuyer program. I acted in good faith and deserve better treatment under the law. This late payment should be removed XXXX  XXXX XXXXXXXX XXXX XXXX  Late Payment ( Opened : XX/XX/XXXX | Balance : {$360.00} ) * * Issue : Late payment reported without honoring my hardship request Law : Under FCRA 623 ( a ) ( 1 ) ( A ) and the Equal Credit Opportunity Act ( ECOA ), creditors must consider hardship and report accurately Story : I lost my job in XX/XX/XXXX and immediately informed Capital XXXX of my situation. I requested a temporary payment arrangement but received no response. Instead, they reported me late even though I was only days behind and had already scheduled a payment. That mark caused a XXXX drop in my credit score. Im now paying higher interest on everything, which has created a cycle of financial stress. This entry needs to be corrected to reflect my effort and compliance XXXX  XXXX XXXX XXXX XXXX Late Payment ( Opened : XX/XX/XXXX | Balance : {$930.00} ) XXXX XXXX Issue : False late mark despite autopay being enabled Law : FCRA requires fair investigation and correction of disputed data ( FCRA 611 ) Story : I had autopay set up, and the payment was processed late due to XXXX XXXX internal processing error. I noticed the late mark months later and contacted them to fix it, but they refused. This single error damaged my score and led to a denied credit limit increase. I am working hard to rebuild my finances, and errors like this set me back further. Please investigate and remove this mark XXXX XXXX XXXX * * Late Payment ( Opened : XX/XX/XXXX | Balance : {$460.00} ) * * Issue : Late payment reported despite my dispute over fraud Law : FCRA 623 and the Fair Credit Billing Act require investigation of disputed charges and accurate credit reporting Story : I reported suspicious activity on this card and stopped making payments while the dispute was ongoing. The issuer reported me late even though the account should have been frozen during investigation. This caused multiple account rejections and embarrassment when applying for store credit. I ask that this be reclassified properly or removed entirely from my report XXXX XXXX XXXX XXXX  Late Payment ( {$5500.00} | Opened : XX/XX/XXXX ) * * Issue : Late payment due to improper processing of IDR application Law : FCRA and the Higher Education Act require that student loan servicers accurately process and report borrower assistance requests Story : I applied for income-driven repayment on time, but XXXX delayed reviewing my paperwork. They marked me late without cause or justification. As a result, I was blocked from receiving Pell Grants and faced financial aid suspension. This record needs to be removed because the delinquency was not my fault and was never explained properly XXXX XXXX XXXX XXXX Late Payment ( {$3000.00} | Opened : XX/XX/XXXX ) * * Issue : Duplicate entry of same student loan with separate late payment mark Law : FCRA 605 prohibits duplicate negative reporting of the same obligation Story : This is the same loan as the XXXX listed above, but reported as a separate account with its own delinquency. That makes my report look worse than it is, which is extremely damaging. I can not qualify for home assistance or income-based relief with duplicate derogatory entries. This entry should be removed or merged with the correct tradeline XXXX XXXX XXXX XXXX XXXX  Collection ( {$460.00} | Opened : XX/XX/XXXX ) * * Issue : Debt unknown and duplicate of other accounts Law : FCRA 623 prohibits reporting of inaccurate or duplicate information Story : I contacted XXXX and requested proof of this debt. They failed to respond within the XXXX period. This entry is blocking me from refinancing a vehicle and applying for a small business credit card. Please delete it as it is unverifiable and unverified XXXX XXXX XXXX XXXX XXXX Collection ( {$940.00} | Opened : XX/XX/XXXX ) * * Issue : Duplicate of XXXX XXXX XXXX XXXX XXXX XXXX listed earlier Law : FCRA 605 prohibits duplicate derogatory tradelines Story : This listing appears to be the same as a previously disputed collection but with slightly different balance and date. This duplication inflates my total debt and unfairly lowers my score. It is misleading and needs to be removed immediately XXXX XXXX XXXXXXXX XXXX XXXX Charge Off ( {$150.00} | Opened : XX/XX/XXXX ) * * Issue : Small balance charged-off despite my efforts to pay Law : FCRA 623 requires accurate reporting and FDCPA demands fair treatment Story : I missed a payment due to temporary job loss and offered to pay the full balance, but XXXX proceeded XXXX charge it off. This small amount should never have escalated to this level. It caused denial of a secured loan and impacted my self-esteem. I ask that this be removed or updated to show paid as agreed XXXX XXXX XXXX XXXX Collection ( {$460.00} | Opened : XX/XX/XXXX ) * * Issue : Yet another duplicate of the same collection already listed Law : FCRA prohibits repetition of the same derogatory information Story : This is the third entry related to the same alleged debt. I am being punished multiple times for something that is still unverified. Its clear this is an error or abuse. This must be removed immediately XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) Issue : Unauthorized hard inquiry Law : FCRA 604 mandates that a permissible purpose must exist for any credit inquiry Story : I never applied for any XXXX XXXX  product on or around this date. This inquiry was done without my consent and reduced my credit score. It gives lenders the false impression that Im credit shopping, which I am not. Please remove this unauthorized inquiry immediately REQUEST FOR RELIEF : In light of the above, I respectfully request the CFPB to : XXXX. Investigate each issue listed above with the respective credit bureaus and furnishers. 
XXXX. XXXX them to delete or correct all inaccurate, unverifiable, and obsolete information. 
XXXX. Ensure compliance with all FCRA and FDCPA requirements. 
XXXX. Issue penalties where appropriate to prevent future violations. 
These errors have caused me financial, emotional, and professional harm. Ive been denied credit, housing, and employment due to misreporting that Ive tried to correct multiple times with no success. I ask the XXXX to hold these entities accountable.

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