Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding numerous inaccuracies on my credit report that continue to damage my creditworthiness, violate my rights under the Fair Credit Reporting Act ( FCRA ), and create undue emotional, financial, and legal stress. Despite my previous dispute, these errors remain unresolved. I ask the CFPB to assist in ensuring these matters are thoroughly investigated and corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : This is a repeat and erroneous address that creates confusion on my credit profile. 
Law Cited : FCRA 1681i mandates consumer reporting agencies to promptly delete unverifiable or incorrect information when disputed. 
Story : I never lived at this apartment or had any affiliation with it. This duplicated and inaccurate address worsens the confusion, and I believe it may be linked to identity mix-ups. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : I have no connection with this Florida address and have never opened any accounts or received mail from this location. 
Law Cited : Under FCRA 605 ( b ), CRAs must remove outdated or unverifiable personal data upon request.

Story : This error is not just misleadingit may suggest fraudulent activity. This has created fear and concern about identity fraud risks and made me a victim of unjust suspicion during financial reviews. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments * * Issue : This account is reporting late payments I never made. I have always paid on time and can provide bank records. 
Law Cited : FCRA 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers to report data accurately and correct errors upon notice. 
Story : These false late marks lowered my credit score, preventing me from getting a student loan for my childs education. It has affected me emotionally and financially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off * * Issue : Appears to be a duplicate or misidentified XXXX account. 
Law Cited : FCRA 1681e ( b ) Information must be accurate and not misleading.

Story : This duplicate damages my reputation, showing multiple charge-offs when I had only one account. This is misleading and has affected my ability to secure housing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments * * Issue : The late payment records do not match my transaction history. 
Law Cited : FCRA 1681i ( a ) ( 1 ) ( A ) requires reinvestigation if the consumer disputes account data.

Story : I had auto-pay set up, and my bank shows funds were available. XXXX XXXX failed to process properly. Due to this, I lost a job offer that required good credit. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : The charge-off is inaccurate as the account was closed and paid. 
Law Cited : FCRA 623 ( a ) ( 2 ) requires furnishers to update and correct information after its found to be inaccurate. 
Story : I called XXXX several times to resolve the final balance and received no clear answer. Still, they listed it as charged off, which affected my application for an auto loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : This account was not a charge-off but closed due to inactivity. 
Law Cited : FCRA 623 ( a ) ( 5 ) requires proper reporting of closed accounts.

Story : I was shocked to see this listed as charged off without any communication or billing. This reflects poorly on my credit even though I acted responsibly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments * * Issue : I was never late. XXXX failed to notify me of a system error that resulted in their own delay in updating the payment status. 
Law Cited : FCRA 623 ( b ) mandates investigation of disputes within 30 days. 
Story : Ive leased a car from XXXX in good standing. Their mistake on XXXX installment has now impacted my credibility and refinancing attempts. 

XXXX XXXX ( Three Accounts ) All Charge Offs Issue : Multiple XXXX accounts are listed with same dates and similar balances. 
Law Cited : FCRA 1681e ( b ) prohibits duplicative and misleading reporting. 
Story : I had only one XXXX XXXX account, yet multiple accounts are shown charged off, inflating my apparent delinquency. This is deeply damaging and deceptive. 

XXXX XXXX XXXX  XXXX Late Payments * Issue : XXXX XXXX  marked my payments late even after I requested deferment, which was acknowledged but never documented properly. 
Law Cited : FCRA 1681s-2 ( b ) Upon dispute, furnishers must conduct proper investigation and correct the record. 
Story : My deferment request was due to a medical emergency. Instead of help, I got late payments on my report, which continues to punish me. 

XXXX XXXX XXXX XXXX XXXXXXXX Collection Issue : I never received any notice of debt validation as required by law. 
Law Cited : FDCPA 809 ( a ) Debt collectors must validate debts before reporting.

Story : This account blindsided me. I had no idea it existed until I saw it harming my report. This could be a case of mistaken identity or clerical error. 

INQUIRIES Unauthorized and Repetitive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Issue : I did not authorize most of these inquiries. Many are duplicated and clearly excessive, which impacts my credit score negatively.

Law Cited : FCRA 604 ( a ) ( 3 ) Permissible purpose must exist for any inquiry ; anything beyond that is unauthorized. 
Story : These hard inquiries were pulled without my consent during car shopping. Some dealers ran multiple checks without my approval. These lowered my score by over XXXX points and ruined my chances at getting a good interest rate. 

REQUEST FOR CFPB ACTION I am requesting the CFPB to take the following steps : 1. Investigate the inclusion of all incorrect addresses and have them removed from my report.

2. Require credit bureaus to delete or correct the duplicate and false accounts listed above.

3. Demand all furnishers validate or delete unverifiable collections or charge offs.

4. Ensure all unauthorized or excessive inquiries are deleted.

5. Require credit bureaus and furnishers to provide documentation verifying each item they continue to report after my dispute.

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