Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
Dear CFPB Officer I am submitting this formal complaint against the credit reporting agencies and furnishers who are reporting inaccurate, unverifiable, and unauthorized information on my credit file. Despite sending a prior dispute, these issues remain unresolved. The agencies have failed to maintain reasonable procedures to assure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. The continued reporting of these items is not only damaging my financial well-being but also interfering with my daily life, including job opportunities, housing, and mental peace. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have never lived at this address nor have any connection to it. It is being inaccurately reported on my credit file without permissible purpose or my authorization.

Law : FCRA 1681e ( b ) requires furnishers to report only accurate and verified information. Reporting inaccurate addresses violates this requirement.

Story : This address has no association with me and is contributing to mixed file errors. It is likely from identity confusion or third-party data entry error, but I should not suffer from misreporting that is not backed by concrete verification. I request immediate deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Duplicate or inaccurate reporting of a place Ive never been associated with.

Law : Under FCRA 1681b, information must only be obtained and reported with a valid purpose.

Story : I have submitted address documentation previously, and this address is not supported by any valid lease, utility bill, or ID in my name. Its presence misleads lenders and employers about my identity. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Likely a variation of the previous false entry, further suggesting negligent data handling.

Law : Violates FCRA 1681e ( a ) for lack of reasonable procedures to ensure accuracy.

Story : I am a victim of data mishandling or identity confusion. The presence of this incorrect variation proves lack of due diligence in verifying reported data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Out-of-state address that I have no affiliation with.

Law : FCRA 1681c prohibits outdated and unverifiable address history.

Story : This address could lead to a mixed file scenario or identity theft suspicion. I am not, and have never been, associated with this Texas residence and demand its removal immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment Issue : This entry shows a late payment that I have no recollection or record of.

Law : Under FCRA 1681i ( a ), I have the right to a full reinvestigation.

Story : I never received notice or validation for this account. It may have been misreported due to internal errors or an account transition problem. My efforts to resolve it with the furnisher were unsuccessful. I request the late payment be removed. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection Issue : This collection is inaccurate and not authorized.

Law : FDCPA 807 and FCRA 1681s-2 prohibit reporting unverifiable and deceptive collection data.

Story : I was never served any valid debt notice for this amount, and I dispute the ownership and balance. This collection has no legal basis and was placed on my report without providing a debt validation letter. It is misleading and damaging. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection Issue : This collection is being reported without proper validation or proof of debt.

Law : FDCPA 809 requires that collectors validate debt upon request.

Story : I never received formal collection communication from XXXX XXXX. There is no record of this debt on my end. They have failed to verify the debt per FDCPA requirements, and I request deletion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Chargeoff Issue : Charged off with {$0.00} balance, unclear account history.

Law : FCRA 1681e ( b ) mandates accurate reporting of current balance and status.

Story : This account is misleading. It is unclear whether this was settled, forgiven, or resolved. A {$0.00} balance should not remain under derogatory status indefinitely. Its presence unfairly lowers my credit rating and causes confusion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Chargeoff Issue : Charged off government-related debt with vague details and no proper documentation.

Law : FCRA 1681i ( a ) applies to all accounts including public/government entries.

Story : I have not been provided with any supporting documentation on this account. Its age and lack of transparency cause alarm. No court judgment or legal documentation supports this report, and I request full reinvestigation and deletion if unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payment Issue : Incorrect reporting of delinquency.

Law : FCRA 1681s-2 prohibits reporting inaccurate info knowingly.

Story : I was enrolled in a hardship assistance program or dispute process during this period. The late payment notation is inaccurate and unfairly impacts my score and ability to qualify for rental housing. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Hard inquiry reported without proper consent.

Law : FCRA 1681b ( c ) requires permissible purpose for all hard pulls.

Story : I did not authorize this credit pull. I was not applying for any credit at the time. This is a privacy violation and affects my credit unnecessarily.

I respectfully ask the CFPB to investigate each of the above-listed issues. The credit bureaus and furnishers are in violation of multiple provisions under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. These inaccurate reports are negatively affecting every aspect of my life. I request deletion of unverifiable data, correction of inaccurate information, and enforcement actions against any agency or company found in willful violation.

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