Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
XXXXTo Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau (CFPB) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIssue: Wrong Address\nI have never lived at this address nor is it associated with any legitimate credit application I have made\nAdditional Issue: This address may be connected to a fraudulent or mixed file identity, impacting my report with unrelated accounts\nFCRA Violation: Section 607(b)  Accuracy | Section 605B  Fraudulent Information\nReporting unverifiable or mixed identity data violates the FCRAs duty to ensure maximum accuracy\nInstruction: Remove this address from my report immediately and confirm deletion in writing\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Wrong Address\nThis address has no relation to my identity or credit history and may be the result of a file merge or incorrect reporting\nAdditional Issue: This error is impacting my score and triggering unauthorized associations with other negative accounts\nFCRA Violation: Section 607(b) | Section 602A  Fair Credit Rights\nMy right to a fair and accurate report is violated by this persistent false address\nInstruction: Delete this address and conduct a thorough reinvestigation of all addresses linked to my report\n\XXXX XXXX XXXX XXXX Balance: XXXX  | Issue: Chargeoff*XXXXThis is a self-reported, unverifiable account not tied to any legal obligation or signed agreement\nAdditional Issue: The furnisher is not a traditional data furnisher and may be submitting unverified or fabricated data\nFCRA Violation: Section 611  Reinvestigation | Section 609(a)(1)(A)  Disclosure\nYou are required to obtain proof from the furnisher including original contract and billing history which was never provided\nInstruction: Delete this item immediately if original documentation is not produced and provide written proof of reinvestigation\n\XXXX XXXX XXXX | Balance: XXXXXXXX  | Issue: Chargeoff**\nThis account is not mine and appears to be self-reported without any permissible basis or proper validation\nAdditional Issue: There is no listed date opened, payment history, or creditor contact information, violating completeness standards\nFCRA Violation: Section 611 & 609 | Section 605(a)  Completeness of Data\nUnverified data with missing key information must be removed under federal law\nInstruction: Delete this charge-off due to lack of validation and missing reporting data\XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue: Chargeoff**\nI am not responsible for this utility account and no written agreement or billing record has been presented\nAdditional Issue: Utility companies must follow data furnishing compliance procedures which this furnisher has not done\nFCRA Violation: Section 611 | Section 623  Duty of Furnishers to Report Accurately\nIf no proof is provided including signed agreement, usage history, and billing record, this must be deleted\nInstruction: Remove this unverifiable utility charge-off from my report and notify me in writingXXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue: Chargeoff**\nThis entry is not only unvalidated but also excessively old and irrelevant to my current credit standing\nAdditional Issue: Appears to be recycling small balances to artificially lower my credit score\nFCRA Violation: Section 611, Section 605(a)(5)  Reporting Obsolete Accounts\nAny account over 7 years or unverifiable must be permanently removed\nInstruction: Delete this outdated and unverified account immediately and confirm in writingXXXX XXXX XXXX XXXX XXXX XXXX | Issue: Chargeoff**\nA charge-off on a XXXX balance is false, misleading, and violates accurate reporting laws\nAdditional Issue: There is no debt, no claim history, no date opened, and no billing statement to justify this record\nFCRA Violation: Section 607(b) | Section 623(a)(1)(A)\nInaccurate reporting even with a XXXX balance can still damage my credit and is subject to immediate deletion\nInstruction: Permanently delete this inaccurate XXXX  balance account and document the reinvestigation process\XXXX XXXX XXXX  | Issue: Unauthorized Hard Inquiry\nI did not initiate any credit transaction with Cornerstone or give permission to access my report\nAdditional Issue: Multiple inquiries on the same date from related entities indicate inquiry stacking, which is unfair and unauthorized\nFCRA Violation: Section 604(a)(3) | Section 615  Notice of Adverse Action\nYou must remove this inquiry and notify the entities that this access was not authorized\nInstruction: Delete this inquiry, block access from this entity, and send confirmation of action taken\n\nI respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.'

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