Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX Issue : Incorrect address reported on my credit report that does not belong to me, negatively affecting my credit profile. 
Law : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to maintain accurate, complete, and up-to-date information. They must promptly correct any inaccuracies. 
Story : I have never lived at this address. When I checked my credit report, I was shocked to see this wrong address included. This misinformation leads to confusion during credit applications, causing lenders to distrust my identity. This wrong address has been on my report for a long time, unjustly limiting my access to proper credit opportunities. 

Account : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$34000.00} Issue : A late payment is reported, but I have always paid on time. 
Law : Per FCRA, accurate reporting of payment dates and statuses is mandatory. Incorrect reporting causes financial harm and the right to demand correction is guaranteed. 
Story : Although I made payments punctually, the incorrect late payment has lowered my credit score, affecting my ability to obtain loans. Despite multiple inquiries, the error remains unresolved. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1200.00} Issue : Reported as collection with no proof of nonpayment. 
Law : FCRA and FDCPA require full and accurate verification before reporting default or collection. 
Story : I made payments regularly, yet false reports list me as defaulting, severely harming my creditworthiness. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Issue : Incorrect collection report damaging my credit. 
Law : FDCPA and FCRA guarantee my right to dispute and correct false information. 
Story : This misinformation not only hurts my credit but also diminishes trust with lenders. 

Account : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Issue : Wrongly reported late payment though I paid on time. 
Law : FCRA mandates correction of erroneous payment records. 
Story : This false late payment report blocks new credit opportunities and disrupts my financial planning. 

Account : XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$3100.00} Issue : Shown as charge off, although I am actively negotiating payment. 
Law : Charge off reporting must be accurate and based on actual payment status. 
Story : Despite being engaged in payment discussions, this detrimental report damages my credit reputation. 

Account : XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$890.00} Issue : Charged off incorrectly, contradicting my recent payment history. 
Law : FCRA and FDCPA prohibit inaccurate credit reporting that harms consumers. 
Story : Due to this incorrect information, obtaining new loans is delayed and complicated. 

Account : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$3700.00} Issue : Unjustified charge off reported ; I have proof of payments. 
Law : FCRA requires accurate and truthful credit reporting. 
Story : The incorrect charge off limits my access to credit cards and forces me to pay higher interest rates. 

Account : XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} Issue : Incorrect charge off reported, which I later discovered was false. 
Law : FDCPA and FCRA provide the right to remove false information. 
Story : This false reporting has harmed my financial standing and blocked proper payment opportunities. 

Account : XXXX XXXX  XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Issue : Charge off reported, despite my collection of valid payment records proving otherwise. 
Law : FCRA and FDCPA require rectification of such errors upon proof. 
Story : This false charge off restricts my ability to obtain credit and causes mental stress. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

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