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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding serious inaccuracies and violations of federal law in my credit report, including incorrect addresses, unverifiable account reporting, unauthorized inquiries, and harmful derogatory marks. These inaccuracies have caused damage to my credit reputation and have been reported without following the due process as required by law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Wrong & Unverified Addresses I am currently disputing the reporting of the following addresses as they are incorrect and do not belong to me : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX This address is unfamiliar and not associated with any of my activities. 
XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX I have never lived at this address. 
These addresses must be removed immediately under FCRA 607 ( b ) which requires credit bureaus to maintain accurate and up-to-date information.

Accounts with Errors & Legal Violations XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$230.00} Date Opened : XX/XX/XXXXXXXX  Issue : Late Payment reporting Legal Reference : o Under FCRA 611, I have the right to dispute any item on my report and have it investigated. 
o If the creditor can not provide verifiable evidence that the late payment occurred and was properly reported with notice to the consumer, this entry must be removed immediately under FCRA 623 ( b ).

XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$30000.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Legal Reference : o Under FCRA 623 ( a ) ( 5 ), furnishers must accurately report the date of first delinquency. 
o Under FDCPA 807 ( 8 ), charge-off status must be communicated accurately without misleading implication of ongoing liability if the debt is uncollectable or beyond the statute of limitations.

XXXX. XXXX XXXX  Account # : XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Reported as a Collection Legal Reference : o Under FCRA 609 ( a ) ( 1 ), I have the right to request the original validation and documentation of this debt. 
o If XXXX XXXX or the reporting agency can not validate the debt, it must be deleted under FCRA 611 ( a ) ( 1 ). 
o Additionally, if XXXX is acting as a debt collector, they are bound by FDCPA 809 and must provide a debt validation notice. 
Unauthorized Hard Inquiries The following inquiries were made without my authorization or permissible purpose as outlined in FCRA 604 ( a ) ( 3 ). I did not initiate or consent to any applications or transactions with these companies on the listed dates : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 ( c ) ( 1 ), no consumer report shall be used without written instruction or consent. These inquiries are negatively affecting my credit profile and must be investigated and removed if unverified. 
Request for Relief I request that the Consumer Financial Protection Bureau ( CFPB ) take the following actions : 1. Investigate the reporting of all the above-listed accounts and inquiries.

2. Order the deletion of the accounts and inquiries that can not be verified according to FCRA and FDCPA laws.

3. Ensure the removal of the incorrect addresses from my credit file.

4. Require credit bureaus and furnishers to provide documentary evidence of each item they report. If not, it must be deleted immediately under FCRA. 
Supporting Laws Cited : FCRA 602 Congressional findings on accuracy and fairness FCRA 604 Permissible purposes of consumer reports FCRA 607 ( b ) Maintenance of accuracy FCRA 609 ( a ) ( 1 ) Right to all information in a consumer 's file FCRA 611 ( a ) ( 1 ) Procedures for disputing information FCRA 623 ( a ) ( 5 ) & 623 ( b ) Duties of furnishers after receiving notice of dispute FDCPA 807 ( 8 ) False representation of debt status FDCPA 809 Validation of debts Final Note : I have already filed a direct dispute with the credit reporting agencies. I am now escalating this matter to the CFPB due to continued inaccurate and unverifiable reporting that is causing financial and reputational harm.

Please confirm receipt and initiate an immediate investigation.

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