Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate and harmful entries being reported on my credit files across the major credit reporting agencies ( Experian, Equifax, and TransUnion ). I have previously attempted to resolve these matters directly with the credit bureaus, but the inaccurate data still remains, despite supporting documentation and evidence.

1. Wrong Addresses Being Reported Without Authorization ( FCRA 605 ( b ), 602 ( A ) ) The following addresses have been reported on my credit file without my knowledge, authorization, or connection. These addresses are inaccurate and must be removed immediately as they violate my consumer rights under the Fair Credit Reporting Act : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These addresses are not connected to me, and their presence on my credit report raises serious concerns about identity confusion or misattributed data, which is expressly prohibited under FCRA 602 ( A ) Accuracy and Fairness of Credit Reporting.

2. Disputed Accounts and Violations I request a full reinvestigation and deletion or correction of the following accounts, which are reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA 611 & 607 ( b ) ) : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Charge Off Balance {$380.00} Violation : This charge-off is inaccurately reported and lacks full validation. 
Applicable Law : FCRA 611 ( Failure to investigate properly ), 609 ( a ) ( 1 ) ( Right to full documentation ). 
XXXXXXXX XXXX Account # : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Issue : Repeated Late Payments Violation : Inconsistent reporting across bureaus ; no proper notification or proof of delinquency provided. 
Applicable Law : FCRA 607 ( b ) Maximum possible accuracy requirement. 
XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Issue : Late Payments Lack of monthly reporting continuity and inconsistent dates. 
Applicable Law : FCRA 611, FCRA 623 ( b ) Furnisher failed to investigate disputed information. 
XXXX XXXX XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Issue : Multiple Late Payments with inconsistent reporting pattern. 
Applicable Law : FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate information furnished to bureaus. 
XXXX XXXX XXXX ( XXXX ACCOUNTS ) XXXX. Account # : XXXXXXXX XXXX  Opened XX/XX/XXXX Charge Off {$4100.00} 2. Account # : XXXXXXXX XXXX  Opened XX/XX/XXXX Late Payments {$4500.00} Violations : Both accounts are duplicative in nature and show inconsistencies in payment status across credit bureaus. 
Applicable Law : FCRA 609 ( a ) ( 1 ) No complete validation provided ; 611 ( a ) Inaccurate resolution of dispute. 
XXXX / XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Charge Off {$2000.00} Violation : I requested validation which was not provided. Account status is reported inaccurately. 
Applicable Law : FCRA 609 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX ( XXXX ACCOUNTS ) XXXX. Account # : XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX {$850.00} XXXX. Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX {$370.00} Violations : Duplicate accounts reported under different numbers with conflicting statuses. 
Applicable Law : FCRA 607 ( b ) Requires accuracy ; FCRA 611 Right to reinvestigation. 
XXXX Account # : XXXX Date Opened : XX/XX/XXXX Issue : Late Payments {$16000.00} Violation : Missing payment history and failure to notify consumer as required. 
Applicable Law : FCRA 623 ( a ) XXXX XXXX I Account # : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Collection {$4700.00} Violation : Debt collector reporting without complete verification. 
Applicable Law : FDCPA 809 ( b ) Right to validation ; FCRA 609 ( a ) XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Issue : Collection {$970.00} Violation : No notice of debt provided. Unverified reporting violates both FCRA and FDCPA.

Applicable Law : FCRA 607 ( b ), FDCPA 809 ( b ) Summary of Harm Due to these errors, I have suffered serious damage to my credit score and credibility, including denials of housing, employment background checks, and credit access. The failure of the CRAs and furnishers to comply with my rights under the FCRA and FDCPA is not only negligent but unlawful. 
Relief Requested I respectfully request the Consumer Financial Protection Bureau to conduct a full investigation into these accounts and take necessary enforcement action, including : Immediate deletion of the inaccurate addresses Reinvestigation and correction or deletion of all listed accounts Enforcement of consumer rights under FCRA 607 ( b ), 609, 611, 623 and FDCPA 809 ( b ) Sanctions or penalties for any furnisher or CRA found to be in violation Thank you for your attention to this serious matter. I am attaching a copy of my government-issued ID and proof of current address to verify my identity.

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