Consumer complaint received 2025-11-03 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 Representative, I am submitting this formal complaint because my credit report contains multiple inaccuracies that are negatively affecting my credit standing. Despite my efforts to dispute these items directly with the credit bureaus, the issues remain unresolved. I am requesting the CFPBs assistance in conducting a full review and ensuring that all information reported about me complies with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Incorrect Addresses Reported XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is not and has never been associated with me. Please remove it from my report immediately as it may indicate a reporting error or mixed file issue. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This address is inaccurate and unrelated to my credit history. Please correct or remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at or used this address. Please delete it as it is incorrect. 
Accounts with Reporting Errors XXXX ( Account No : XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  This account is being reported as a charge-off, which is incorrect. I have no record or knowledge of this account, and I dispute its validity entirely. Please verify its accuracy or delete it from my credit report. 
XXXX  XXXX ( Account No : XXXXXXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  This account is showing late payments, which is inaccurate. I have consistently made on-time payments, and there were no delinquencies. Please update the payment history to reflect an accurate, positive record. 
XXXX  XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX  This account is also showing late payments in error. I have never made late payments on this account. I request that these inaccuracies be corrected immediately. 
XXXX  XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX This account reflects incorrect late payment history. I dispute this information as false. Kindly verify and correct the reporting. 
XXXX ( Account No : XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX My credit report incorrectly lists late payments for this account. I dispute this as I have always maintained timely payments. Please investigate and correct the record. 
XXXX ( Account No : XXXXXXXX XXXX, Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX This appears to be a duplicate of the XXXX account and is also inaccurate. I request immediate deletion. 
Unauthorized Inquiries XXXX XXXX ( XXXX : XX/XX/XXXX ) I never applied for any credit or financing with this entity. This inquiry is fraudulent or in error and must be deleted from my report. 
All of these errors have caused me unnecessary hardship and emotional distress, as they make it difficult to obtain credit and cause potential reputational harm. I have already contacted the credit bureaus to dispute these inaccuracies, but the results were unsatisfactory and incomplete. Therefore, I am turning to the CFPB for intervention to ensure that the credit reporting agencies and furnishers comply with their legal obligations under federal law. 
I respectfully request that the CFPB open an investigation into these reporting inaccuracies, contact the relevant credit bureaus and furnishers, and ensure that all unverifiable, unauthorized, or incorrect information is permanently deleted from my credit report. I also request that confirmation of the corrections and results of the investigation be provided to me in writing. 
Thank you for your time and assistance in addressing these serious issues. I appreciate your help in ensuring that my consumer rights under the FCRA and FDCPA are upheld and that my credit report is corrected to reflect accurate and verifiable information only.

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