Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
Dear CFPB Officer, * * I am submitting this formal complaint for your urgent attention regarding serious inaccuracies and potential violations on my credit report from multiple furnishers and credit reporting agencies. The items include incorrect addresses, misreported accounts, unauthorized credit inquiries, and misleading derogatory marks all of which are having a significant negative impact on my financial reputation. 
Below, I have outlined the specific issues with full details and a request for investigation and corrective action in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Address Discrepancy XXXX XXXX XXXX XXXX, XXXX, NY XXXX Issue : I have no connection to this address. It is not a current or past residence of mine. 
Law Cited : FCRA 1681e ( b ) mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information. 
Explanation/Story : An inaccurate address on a consumer credit report can lead to account confusion and added complications during loan application reviews or identity verification processes. I take my credit report very seriously and request an immediate review and removal of this address to preserve the accuracy of my identity data. 
Account Dispute Creditor : XXXX  XXXX Account # : XXXX * * Balance : {$950.00} Date Opened : XX/XX/XXXX * * Issue : Late Payment Incorrectly Reported Law Cited : FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Information furnished to consumer reporting agencies must be accurate and complete.

Explanation/Story : I was misinformed regarding the due date of this payment and attempted to reach XXXX XXXX to clear up the confusion immediately. A system error or delay in posting the payment led to a temporary late mark, despite my efforts to pay timely. I have receipts showing prompt actions taken to fulfill this obligation. I request reconsideration and correction of this late mark based on the circumstances and good faith efforts I made to resolve the billing dispute. 
Account Dispute Creditor : XXXX  Account # : XXXX * * Balance : {$1300.00} Date Opened : XX/XX/XXXX * * Issue : Late Payment Marked Without Prior Notification Law Cited : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) prohibits furnishing of false, deceptive, or misleading information. 
Explanation/Story : Upon reviewing the account, I discovered the late payment notice posted without prior warning. I did not receive any paper or digital notice outlining a past due balance or impending late fee. I have always made an effort to maintain positive financial responsibility, and this negative flag on my report is both misleading and misaligned with my financial behavior. I respectfully request that this entry be reevaluated or removed to reflect fair and transparent reporting. 
Account Dispute Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX * * Issue : Charge-Off With {$0.00} Balance Law Cited : The FCRA requires completeness and accuracy, and per 15 U.S.C. 1681c ( a ) ( 5 ), outdated information like charge-offs past 7 years must not be reported. 
Explanation/Story : This account reflects a charge-off status despite a {$0.00} balance. If the debt has been settled, the charge-off status should be removed or updated to reflect the positive resolution of the account. This account does not reflect a financial loss or unpaid obligation. Continuing to list it as a charge-off implies delinquency and harms my credit status unfairly. I ask for an expedited correction that matches the actual financial outcome associated with this account. 
Account Dispute Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX * * Issue : Improper Charge-Off Recorded Law Cited : FCRA 1681s-2 ( b ) - When a consumer disputes information, furnishers must investigate and correct inaccurate records. 
Explanation/Story : Similar to the above, this account lists a charge-off despite a XXXX dollar balance and closed status. I made arrangements to clear all outstanding funds before this account reached delinquency. The current record presents a misleading image of financial irresponsibility. I request immediate removal or correction of the charge-off status to accurately portray the closure and payment history of this account. 
Requested Relief : Immediate investigation into the reporting agencies and creditors involved Permanent deletion of all listed incorrect addresses Correction or deletion of inaccurately reported late payments and charge-offs Removal of any unauthorized hard inquiries Written confirmation that these issues have been resolved and corrected I have attached a copy of my credit report with the highlighted errors and supporting documentation, including proof of legitimate addresses and communications with the concerned creditors. 
Thank you for reviewing and taking action on this matter. I trust that the CFPB will uphold my rights under the law and ensure full resolution of these false and harmful entries.

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