Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14362360

Complaint Overview

Complaint ID: 14362360

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Georgia

ZIP Code: 30046

Date Received: 2025-06-29T12:00:00-05:00

Date Sent to Company: 2025-06-29T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am submitting this complaint against Experian for failing to accurately report my credit information and for reporting incorrect addresses that have caused significant harm to my creditworthiness. I have identified multiple accounts and XXXX wrong addresses on my Experian credit report that are inaccurate, misleading, and violate the Fair Credit Reporting Act ( FCRA ). These inaccuracies have led to negative impacts on my credit score, loan eligibility, and financial reputation. I demand immediate investigation, correction, and removal of the inaccurate information pursuant to FCRA 1681i ( Reinvestigation of disputed information ), 1681e ( b ) ( Accuracy of information ), and 1681c ( Requirements relating to information contained in consumer reports ). Addresses : XXXX. XXXX XXXX XXXX XXXX, GA XXXX This address is not my residence or associated with me in any way. Its presence on my credit report misleads creditors and damages my identity integrity. Experian is obligated under FCRA 1681e ( b ) to ensure the accuracy and completeness of the personal identifying information it reports. The incorrect address constitutes a violation of this duty and contributes to credit confusion and potential fraud risk against me. XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX This is also an inaccurate address erroneously attributed to me. Its reporting without my consent or verification breaches the FCRA 's mandate for accuracy and consumer privacy, and must be deleted immediately. Accounts : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Reported with late payments that are inaccurate and not reflective of my payment history. Under FCRA 1681i, I request a full reinvestigation as Experian has failed to verify these late payments with the original creditor. Such erroneous late payments unjustly lower my credit score and harm my ability to access credit. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} This account is reported as a collection inaccurately. The account was paid in full and settled before the collection reporting date. Experian 's failure to update this status violates FCRA 1681e ( b ), which requires accurate reporting of current account status. This misinformation is prejudicial to my credit profile. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1800.00} Incorrect collection status reported without proper verification. Experian 's negligent reporting without proper creditor validation contravenes FCRA 1681i and 1681e ( b ). I demand correction or deletion of this inaccurate collection record immediately. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} Same issue of inaccurate collection status reported. I have disputed these with the creditor who has not confirmed the debt ; Experian 's continued reporting of this inaccurate data violates FCRA XXXX and harms my creditworthiness. XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$870.00} Charged off account reported inaccurately as current delinquency with no substantiation from the creditor. Under FCRA 1681e ( b ), the reporting must be accurate and complete ; this inaccurate charge-off reporting unjustly affects my credit score. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1800.00} Reported as charge-off despite verified payments and account settlement. Experian failed to update status despite consumer dispute, violating FCRA 1681i and 1681e ( b ). Such erroneous negative reporting is damaging and illegal. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$670.00} Charge-off incorrectly reported ; account was paid and closed. Failure to correct this information violates FCRA 1681e ( b ) and 1681i. Continued presence of this inaccurate derogatory remark is causing undue financial harm. XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} Late payments reported without validation. Experian is required by FCRA 1681i to verify all disputed information before reporting. These late payments are inaccurate and unjustified, lowering my credit score unfairly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$850.00} Charge-off reported inaccurately ; account status was updated to paid. Experian 's failure to reflect updated status violates FCRA 1681e ( b ). Continued reporting of this charge-off is misleading and prejudicial. XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2900.00} Charge-off reported incorrectly and without proper documentation. Experian 's responsibility under FCRA 1681i and 1681e ( b ) requires them to verify accuracy ; failure to do so results in harm to my credit reputation. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1800.00} Collection account inaccurately reported. Despite disputes, Experian continues to report this debt without proper validation, violating FCRA 1681i. This negatively impacts my credit score and loan opportunities. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Collection account inaccurately listed and not verified. Experian 's failure to investigate and correct this inaccurate data violates FCRA 1681i and harms my credit standing. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2100.00} Similar inaccurate collection reporting without verification. This is a breach of the duty to report accurate information under FCRA 1681i and 1681e ( b ). I request deletion of this inaccurate record immediately. XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$780.00} Charge-off status is inaccurate and outdated ; account has been settled. Failure to update this status is a violation of FCRA 1681e ( b ) and 1681i. Continued negative reporting without factual basis causes undue credit harm. In conclusion, Experian has repeatedly failed to ensure the accuracy and completeness of my credit report by reporting incorrect personal identifying information and inaccurate account statuses despite my timely disputes. These actions violate the Fair Credit Reporting Act, especially 1681i, 1681e ( b ), and 1681c. This inaccurate reporting has caused serious financial harm including credit denial, increased interest rates, and damaged reputation. I demand an immediate full investigation and deletion or correction of all inaccurate and unverifiable information on my credit report. I also request that Experian provide me with confirmation of their reinvestigation results as required by law. Failure to comply will leave me no option but to seek further legal remedies. Thank you for your prompt attention to this serious matter.

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