Consumer complaint received 2025-07-11 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:
Dear CFPB, I am submitting this formal complaint regarding the continued reporting of inaccurate, unauthorized, and unverifiable data on my credit reports, which violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my previous efforts to dispute and correct this information, the Credit Reporting Agencies and furnishers have failed to resolve the issues. I have outlined each item below with the corresponding issue, relevant laws violated, and how they are causing harm in my life : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Duplicate variation of incorrect address.

Law : FCRA 1681i ( a ) CRAs must delete unverifiable information after reinvestigation.

Story : I have already disputed the root address. Adding another version further misrepresents my identity and raises red flags with creditors. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Unrelated and unfamiliar address.

Law : FCRA 1681c ( b ) CRA must not report irrelevant or outdated address information. 
Story : I never lived here. Reporting this address wrongly links me to debts or risks that arent mine, hurting my credit score and security. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | High Balance : {$680.00} Issue : Charge-off reported without proper notice or validation. 
Law : FCRA 1681s-2 ( b ), FDCPA 809 Story : I never received communication from the creditor before the charge-off. I suspect identity confusion or account error. This entry is severely damaging and must be removed. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$270.00} Issue : Late payment reported during financial hardship period. 
Law : FCRA 1681s-2 ( a ) ( 1 ) Story : I experienced medical issues and requested hardship support from XXXX XXXX, which was ignored. The resulting late mark was unjust and misreported. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Date Opened : XX/XX/XXXX | High Balance : {$30000.00} Issue : Charged off despite payment arrangement.

Law : FCRA 1681e ( b ), FDCPA 807 Story : I entered into a hardship plan with XXXX XXXX. Reporting a charge-off while I was making payments violates both agreement and law. 
XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$1000.00} Issue : Late payments despite autopay being active.

Law : FCRA 1681e ( b ), 1681s-2 Story : I enrolled in this credit builder program with automatic payments. I was shocked to see late reporting due to a system failure that was not my fault. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$16000.00} Issue : Late payments reported during hardship. 
Law : FCRA 1681s-2, CARES Act Story : I informed Santander of job loss and expected assistance. Instead, they marked me late, which was misleading and damaging during a crisis period. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$510.00} Issue : Late payment despite auto-draft setup.

Law : FCRA 1681e ( b ) Story : My account was set up to draft automatically. A technical glitch on their end caused a late mark, which is inaccurate and must be deleted. 
XXXX # XXXX XXXX XXXX Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$4000.00} Issue : Old federal loan showing outdated late payments.

Law : FCRA 1681c ( a ) ( 4 ) Story : I was in deferment and the lates were inaccurately reported. This should no longer be reflected on my report. 
XXXX # XXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX | High Balance : {$2600.00} Issue : Duplicate entry of previous account with incorrect reporting. 
Law : FCRA 1681s-2 Story : This duplicate misleads credit evaluation and must be corrected or deleted immediately. 
XXXX XXXX XXXX  # XXXXXXXX XXXX Collection * * Date Opened : XX/XX/XXXX | High Balance : {$1700.00} Issue : Collection agency never contacted me or validated the debt.

Law : FDCPA 809 ( a ), FCRA 1681s-2 Story : I do not recognize this account. I was never notified, and no documentation has been sent. It appears to be an error or a case of mistaken identity. 
XXXX XXXX XXXX # XXXXXXXX XXXX Collection * * Date Opened : XX/XX/XXXX | High Balance : {$1300.00} Issue : Reporting debt without consumer verification.

Law : FDCPA 807, FCRA 1681b Story : I do not know this account and never received any validation. XXXX has reported unverifiable debts before, and this is likely another error. 
XXXX  # XXXXXXXX XXXX  Collection * * Date Opened : XX/XX/XXXX | High Balance : {$990.00} Issue : I have no relationship with this company or debt. 
Law : FCRA 1681s-2 ( b ) Story : I never received a letter or call. No prior debt existed under this name. I believe this is identity confusion or incorrect file merging. 
XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized credit pull. 
Law : FCRA 604 Story : I never contacted or applied with XXXX XXXX. This is either fraud or internal error and should be corrected. 
XXXX Inquiry Date : XX/XX/XXXX Issue : Unconsented inquiry lowering my score. 
Law : FCRA 1681b Story : I have no relationship with XXXX. I did not authorize this pull, and it affects my credit evaluation unfairly. 
These combined violations have deeply impacted my life. I have been denied credit cards, auto financing, and home loan refinancing. My ability to provide for my family and secure housing has been compromised. Im mentally and emotionally stressed due to continued inaction from data furnishers and CRAs even after multiple disputes. 
I am requesting the CFPB take urgent action by investigating the listed institutions for FCRA and FDCPA violations. I also request the deletion or correction of the above items and that all furnishers be compelled to provide documentation verifying the accuracy of what theyre reporting. I am ready to provide ID, utility bills, and any other evidence necessary to prove my claims.

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