Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this complaint to bring to your urgent attention several inaccurate and unauthorized items being reported on my consumer credit file. These include incorrect addresses, inaccurate reporting of late payments and collections, and unauthorized inquiries all in direct violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

Incorrect Addresses Being Reported ( Must Be Removed Immediately ) : The following addresses are being falsely reported and do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, LA XXXX These addresses are completely inaccurate and have no relation to my residential history. Reporting such wrong addresses can significantly compromise my identity and result in data mixing and false association of accounts. 
Violation of FCRA 602 ( A ) Credit reporting agencies must ensure maximum possible accuracy.

Violation of FCRA 609 ( c ) ( 2 ) ( E ) Consumer has the right to dispute incomplete or inaccurate information. 
Disputed Accounts : XXXX. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$620.00} Issue : Late Payment Reporting I dispute the late payment reporting on this account. I was not properly notified, and I have evidence suggesting my payments were made on time or were never delinquent beyond the grace period. The creditor failed to comply with the required verification steps under FCRA.

Violation of FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must provide accurate information.

Violation of FCRA 611 ( a ) Failure to investigate disputed information. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$250.00} Issue : Collection Account I never received any dunning notice from this collector as required under FDCPA. I have no contractual relationship with this agency. This debt is unverified and its continued reporting is damaging my credit profile.

Violation of FDCPA 809 ( a ) Collector must send written validation notice within 5 days of initial contact.

Violation of FCRA 607 ( b ) CRA must ensure that items reported are verified and accurate. 
Unauthorized Hard Inquiries ( Must Be Removed ) : The following hard inquiries were performed without my written consent and I did not apply for any credit with them on the listed date : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX These inquiries have negatively impacted my credit score without justification. I never initiated these applications.

Violation of FCRA 604 ( a ) ( 2 ) A consumer reporting agency may only furnish a report with written authorization.

Violation of FCRA 616 Willful noncompliance entitles consumer to damages.

Summary : Despite prior attempts to resolve these issues directly with the credit reporting bureaus, they have failed to conduct reasonable investigations or correct these inaccuracies. These entries are causing significant harm to my creditworthiness, mental stress, and financial hardship.

I am formally requesting that the CFPB intervene and ensure : 1. Immediate deletion of the inaccurate addresses 2. Proper reinvestigation and deletion/correction of the disputed accounts 3. Removal of all unauthorized inquiries 4. Full compliance with FCRA and FDCPA obligations I am prepared to escalate this matter further, including seeking legal counsel and filing an identity theft affidavit if necessary. I request a full investigation and resolution as per CFPB guidelines.

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