Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX LAW : FCRA 15 USC 1681e ( b ) ISSUE : This address is inaccurate and does not belong to me STORY : I have never lived, received mail, or conducted any business at this address. Its presence on my report is misleading and could cause lenders to misinterpret my credit profile. I request immediate deletion. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, NV XXXX LAW : FCRA 15 USC 1681e ( b ) ISSUE : This address is erroneous and must be removed STORY : I have no known connection to this location. Its appearance on my credit file suggests a mix-up with another consumers data. Please delete it to ensure the integrity of my credit report. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX  LAW : FCRA 15 USC 1681s-2 ( a ), 1681i ISSUE : Late payments are inaccurately reported STORY : I dispute the accuracy of the late payments. I was not delinquent, and your records do not reflect the correct payment history. This negatively affects my creditworthiness. Please conduct a reinvestigation and remove all inaccurate late payment marks. 

ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} XXXX XXXX XXXXAW : FCRA 15 USC 1681s-2 ( a ), 1681i ISSUE : Collection account is inaccurate STORY : This account was never sent to collections by me. I did not receive proper notice of delinquency, and this balance is unverified. This reporting is harmful and should be deleted. 

ACCOUNT XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} LAW : FCRA 15 USC 1681b, 1681i ISSUE : Collection not verified with original creditor STORY : I was never notified of this collection nor did I receive any validation from the original creditor. The debt may be a result of identity confusion or error. Delete immediately unless you can provide full validation. 
ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$540.00} XXXX XXXX LAW : FCRA 15 USC 1681s-2 ( b ), 1681i ISSUE : Account status charged off incorrectly STORY : This account was resolved amicably, and I dispute any indication that it was charged off. XXXX has failed to verify or correct this account despite prior disputes. I demand deletion due to inaccuracy and unverifiability. 

ACCOUNT XXXX XXXX XXXX # XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$11000.00} XXXX XXXX LAW : FCRA 15 USC 1681s-2 ( b ), 1681c ISSUE : Charge off status is not validated STORY : I was not notified of any charge-off process, and I challenge the accuracy of this entry. No proper documentation has been sent proving this charge-off occurred lawfully. Please delete immediately. 

ACCOUNT XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$2600.00} XXXX XXXX LAW : FCRA 15 USC 1681s-2 ( a ), 1681i ISSUE : Duplicate charge-off reporting STORY : This looks like a duplicate entry of the previous account and is inflating my debt. It appears to be a case of double reporting which is prohibited under the FCRA. Please remove the duplicate immediately. 

ACCOUNT XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX LAW : FCRA 15 USC 1681i, FDCPA 809 ( b ) ISSUE : No validation provided for collection STORY : This debt is unfamiliar to me. Ive requested validation but received none. Without proof from XXXX XXXX XXXX or XXXX, this must be removed per the FCRA and FDCPA. 

INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  : FCRA 15 USC 1681b ( c ) ISSUE : Hard inquiry posted without permissible purpose STORY : I did not authorize this inquiry. Unlawful inquiries can reduce my credit score and misrepresent my intentions to creditors. Please remove it immediately as it was done without my knowledge or consent. 

I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

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