Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing as the consumer directly impacted by significant inaccuracies on my credit file reported by all three nationwide consumer reporting agencies. Upon careful review of my credit disclosures, I discovered multiple addresses being reported as part of my residential history that are inaccurate and do not belong to me, including 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and XXXX XXXX XXXX XXXX, XXXX  XXXX. I have never lived at any of these addresses, never used them on any credit applications, and have never received mail at these locations. The presence of these addresses creates a substantial risk of mixed file reporting, identity confusion, and misattributed obligations that could materially damage my creditworthiness and financial reputation. Reporting inaccurate address information is not merely a clerical issue ; it directly affects lending decisions and the interpretation of my financial reliability. Under FCRA 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of all information reported, and under FCRA 611 ( a ), once a dispute is submitted, the agencies must conduct a reasonable reinvestigation to determine accuracy. I am formally disputing these addresses and demanding their immediate deletion unless verifiable documentation exists demonstrating they are legitimately associated with me, including the original source of the information, the method of verification, and any applications or correspondence used to support the reporting. Continuing to report unverifiable addresses constitutes a violation of federal law and exposes me to ongoing harm. Additionally, I dispute the reporting of the Late Open account XXXX  XXXXXXXX XXXX  showing a balance of {$13000.00}, opened XX/XX/year>, and currently reflecting a 180-day late payment status with no payments recorded. The reported payment history appears misleading and incomplete, suggesting extended delinquency without proper validation or documentation of actual payment activity, and it fails to clarify whether deferment, forbearance, payment arrangements, or internal servicing errors contributed to the reported status. Under FCRA 1681e ( b ), reporting agencies must ensure maximum possible accuracy, and under FCRA 1681i ( a ), once disputed, they must conduct a reasonable reinvestigation that includes verifying account details with the furnisher, reviewing original account documentation, payment history, and supporting correspondence. Reporting a severe delinquency without full validation creates a materially misleading representation of my creditworthiness. I am requesting full verification of this account, including the original signed credit agreement, complete payment history from origination through the present, and an explanation of the methodology used to calculate the reported late status. If the account can not be fully verified with competent evidence, it must be corrected or deleted pursuant to FCRA 1681i ( a ) ( 5 ). The combination of inaccurate identifying information and improperly reported account data is creating an incomplete, misleading, and materially damaging profile of my financial responsibility, and each disputed item must be addressed individually with competent documentation to substantiate accuracy or corrected entirely if verification can not be provided. Failure to comply with federal obligations may constitute willful or negligent noncompliance under FCRA 1681n and 1681o, and I reserve all rights to pursue remedies available under federal and state law.

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