Consumer complaint received 2025-11-20 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: MS

Complaint narrative:
To Whom It May Concern, This complaint is being filed against inaccurate and unverifiable information being reported by the credit bureaus and furnishers listed below. Despite multiple disputes and requests for proper reinvestigation, these items remain inaccurately reported, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the Consumer Financial Protection Bureau to conduct a thorough investigation into these violations and ensure immediate deletion and correction of all disputed items. 

Address : XXXX XXXX XXXX XXXX, XXXX XXXX This address was never connected to me and remains falsely listed after several disputes. Reporting false identifying information violates FCRA 607 ( B ) requiring maximum accuracy. Delete this immediately as no verification or proof of residency exists. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX This account is unverified, no valid evidence has been provided proving ownership. Reporting unverifiable data violates FCRA 611 ( A ) ( 5 ) ( A ). It must be permanently deleted from my file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Charge Off XXXX XXXX No supporting contract or payment record has been provided to prove liability. Continued reporting after notice of dispute violates FCRA 623 ( A ) ( 1 ) ( A ). Delete this account immediately for noncompliance. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  This charge-off is inaccurate and unverifiable, with no signed documentation confirming responsibility. Reporting false data violates FCRA 607 ( B ). This must be deleted immediately from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} Charge Off XXXX XXXX This item remains unverified and inconsistent with previous dispute responses. FCRA 611 ( A ) mandates deletion of unverifiable data. Remove this from my report without delay. 

XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX No documentation proving this debt exists or was provided. Reporting unverifiable and false information violates FCRA 607 ( B ). Delete this item immediately from my credit file. 

XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  This bankruptcy record is inaccurate and unverified by the court. FCRA 611 ( A ) requires deletion of unverifiable public records. Remove this false bankruptcy from my report immediately. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX These inquiries were never authorized by me and constitute unlawful access to my credit file. Under FCRA 604 ( A ) ( 3 ), a permissible purpose is required to obtain a consumer report. The continued listing of these inquiries without proof of consent violates FCRA 607 ( A ) and 616 for willful noncompliance. Each entity must provide signed authorization or these inquiries must be deleted immediately.

Each of the above items represents a clear breach of FCRA Sections 602, 604, 607, 611, and 623, as well as FDCPA Section 809 ( b ). I am requesting immediate intervention by the CFPB to enforce compliance, hold the furnishers accountable, and ensure that my credit report reflects only accurate, verified, and legally reportable information. The continuous reporting of inaccurate accounts and inquiries constitutes willful negligence, entitling me to remedies under FCRA Section 616. I respectfully request deletion and confirmation of all corrected data from all bureaus involved.

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