Consumer complaint received 2025-09-01 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: OH

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws are being violated. The credit bureaus and furnishers have failed in their duty to ensure maximum possible accuracy of my credit report under FCRA 602 ( A ), 607 ( B ), and 611, and they have also allowed unverifiable and outdated information to remain. These errors have caused me significant harm, including damage to my creditworthiness, emotional distress, and denial of financial opportunities. I am demanding that these inaccurate items be removed immediately after proper reinvestigation as required by law. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Law : FCRA Sections 607 ( a ), 611 ( a ), 609 ( a ) ( 1 ) Issue : This address has never been associated with me and is inaccurately reported on my credit report.

Story : Reporting a false address misrepresents my personal identity and may associate me with debts or accounts that are not mine. This repeated error creates confusion for creditors and may lead to wrongful denials of credit or services. Under FCRA Sections 607 and 611, CRAs are required to maintain maximum possible accuracy. The presence of this address violates my rights and materially harms my credit history. I request immediate deletion unless verified with proper documentation proving I resided here. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Law : FCRA Sections 607 ( a ), 611 ( a ) Issue : This address is not mine and has never been my residence.

Story : Its inclusion on my report falsely associates me with obligations that I do not owe. Inaccurate reporting under FCRA Sections 607 and 611 obligates credit bureaus to correct errors once disputed. The repeated appearance of false addresses demonstrates negligence in verification and verification failures. This misinformation can negatively influence lenders decisions and misrepresent my financial responsibility. I demand its removal unless verified. 

Account : XXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/2013 High Credit : {$10000.00} XXXX XXXX Law : FCRA Sections 607, 611 Issue : This account is inaccurately reported as a charge-off. 
Story : I dispute the charge-off status as incorrect or potentially due to misreporting. Reporting an unverified charge-off violates FCRA Section 611 ( a ), which requires credit bureaus to conduct a reasonable investigation of disputed items. I request full verification with statements, notices, and documentation proving the alleged delinquency. Until verified, this account must be deleted to prevent ongoing harm to my credit.

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take enforcement action and ensure these violations of the Fair Credit Reporting Act are corrected immediately. The presence of these wrong addresses, inaccurate late payments, an unverifiable charge-off, and unauthorized inquiries violates my rights under FCRA 602 ( A ), 607 ( B ), 611, 623, and 604. I demand a full reinvestigation of each item and the permanent deletion of unverifiable or inaccurate information. If these violations are not corrected, I am prepared to escalate further with legal action.

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