Consumer complaint received 2025-11-17 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:
I am filing this formal complaint because XXXX  is reporting multiple inaccurate, unverifiable, duplicated, unauthorized, and fraudulent items on my credit file which are causing severe harm to my financial opportunities, credibility, and overall consumer rights. Despite my attempts to correct these errors, the credit bureau has failed to maintain the accuracy required under FCRA 602, 607 ( b ), and 623. The furnished information includes a wrong address that I never lived at, false late payment entries reported by XXXX, duplicated derogatory accounts reported multiple times, a fraudulent charge-off from XXXX XXXX XXXX XXXX {$0.00} balance, and an unauthorized hard inquiry from XXXX that I never authorized. These violations have created a mixed file situation and put my identity at serious risk. I am requesting immediate CFPB intervention and regulatory investigation into why such inaccurate and harmful information is being allowed to remain in my consumer file without proper verification. 
XXXX XXXX XXXX XXXX, XXXX  XXXX This address does not belong to me. I never lived here, never used it, never provided it to any creditor. Reporting an incorrect address violates FCRA 607 ( b ) because the credit bureau must maintain maximum possible accuracy. This incorrect address also puts my identity at risk and suggests possible mixed files. I demand immediate deletion. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : This late payment is completely false. I always paid on time and never missed any due date. I have no record, notice, or communication ever stating I was late. Reporting late payments that never occurred violates FCRA accuracy laws. Since XXXX closed the balance at {$0.00}, it means the account was satisfied, not delinquent. I request correction and removal of the late payment marks. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : This is a duplicate late-payment entry. Duplicate derogatory reporting is illegal and is considered double damage to my creditworthiness. I never made late payments, and the creditor must provide original payment records with timestamps. If not available, delete immediately under FCRA 611. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : Same account reported again, again marking late payments that are not true. Showing multiple derogatory entries for the same account is misleading and violates FCRA 602 and 607. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : Another duplicate. I demand that all incorrect late payment statuses be corrected because I did not make any late payments on these accounts. This also contributes to identity mix-ups. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Issue : I never received any notice of default, delinquency, or charge-off from XXXX XXXX XXXX The account shows {$0.00} balance a {$0.00} balance can not legally be charged off. A charge-off must be associated with a debt that was actually unpaid. Reporting a {$0.00} charge-off is fraudulent and violates FCRA 623 ( a ) ( 1 ) ( A ). I do not acknowledge this account as delinquent and request immediate deletion. 
XXXX HARD INQUIRY UNAUTHORIZED Inquiry Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry. I never applied for credit, loan, or service with XXXX. An unauthorized pull violates FCRA 604 ( a ) ( 2 ). Any inquiry that can not be verified with my signed application must be deleted. 
LEGAL GROUNDS FOR COMPLAINT FCRA 602 requires consumer reporting agencies to ensure fair and accurate reporting.

FCRA 607 ( b ) requires maximum possible accuracy.

FCRA 611 requires proper reinvestigation of disputes.

FCRA 623 prohibits the furnishing of false, inaccurate, or unverified information.

FCRA 604 prohibits unauthorized credit pulls.

Duplicate derogatory entries and false late payments violate federal reporting accuracy standards.

HARM CAUSED TO ME These inaccuracies have lowered my credit score, resulted in loan denials, created emotional distress, and caused reputational harm. These errors are preventing me from securing proper housing opportunities and credit-based services. I am experiencing real financial loss due to the negligence of the reporting agencies and furnishers. 
REQUEST FOR CFPB ACTION I request that the CFPB : 1. Begin a full investigation into XXXX  and the reporting furnishers.

2. Require deletion of the wrong address.

3. Require deletion or correction of all false late payments.

4. Require deletion of the false charge-off.

5. Require deletion of the unauthorized hard inquiry.

6. Require XXXX  to provide documentation proving the accuracy of all disputed items.

7. Require the furnishers to produce signed contracts, payment records, and authorization forms or delete the information.

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