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: GA

Complaint narrative:
To Whom It XXXX 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, GA XXXX WRONG ADDRESS LAW : FCRA XXXX ( a ) : Requires consumer reporting agencies to adopt reasonable procedures to ensure accuracy and fairness. 
FCRA XXXX ( b ) : Mandates credit bureaus to maintain maximum possible accuracy of consumer information. 
FCRA XXXX ( a ) : Grants consumers the right to dispute information and requires reinvestigation of disputed data. 
ISSUE : This address does not belong to me and is being inaccurately reported in my personal identification section. 
STORY : I have never lived at XXXX XXXX XXXX XXXX nor have I conducted any financial or legal activity associated with this location. Including an incorrect address on my credit report causes confusion, creates risks of fraudulent association, and directly violates the FCRAs mandate for maximum possible accuracy. This error XXXX also result in wrongful matching to other accounts that do not belong to me. I have no connection to this address, and I request its immediate and permanent removal from all records. 
XXXX XXXX XXXXXXXX * * LATE PAYMENT * * LAW : FCRA XXXX ( a ) : Protects the consumer from the reporting of outdated or incorrect data. 
FCRA XXXX ( b ) : Requires furnishers and bureaus to ensure the accuracy of reported information. 
FCRA XXXX ( a ) ( XXXX ) : Grants the consumer the right to receive all information in their file, including the sources. 
FCRA XXXX ( a ) : Requires reinvestigation of disputed items and deletion if unverifiable. 
ISSUE : This account shows a late payment without proper evidence or documented notice. 
STORY : I was never provided with documentation showing how this late payment was calculated or when it occurred. There is no account record, monthly billing history, or legal validation that confirms this negative entry. This report continues to harm my credit profile despite my first dispute. Without proof, continued reporting violates the FCRAs accuracy standards. If XXXX can not validate this alleged delinquency with actual billing statements or signed terms showing default, the negative entry must be removed. 
XXXXXXXX XXXX XXXX * * LATE PAYMENT * * LAW : FCRA XXXX ( a ) : Data reported must be fair, XXXX, and substantiated. 
FCRA XXXX ( b ) : XXXX must correct or delete inaccurate or unverifiable data. 
FCRA XXXX ( a ) ( XXXX ) : Requires consumer access to all relevant information upon request. 
FCRA XXXX ( a ) : Mandates deletion of disputed data if it can not be verified. 
ISSUE : Inaccurate late payment continues to be reported despite previous dispute and lack of verification. 
STORY : I have requested full documentation on this account but have never received any proof that the alleged late payment occurred. No contractual agreement, no billing summary, no payment breakdown has been provided. The continued reporting of this unproven delinquency is unfair, misleading, and violates multiple provisions of the FCRA. I request the immediate deletion of this negative mark due to lack of validation and harmful impact on my creditworthiness. 
XXXX XXXX XXXX XXXXXXXX * * CHARGE OFF * * LAW : FCRA XXXX ( a ) : Mandates fairness and accuracy in all credit reporting practices. 
FCRA XXXX ( b ) : Credit reporting agencies must ensure furnished data is accurate. 
FCRA XXXX ( a ) : Entitles the consumer to complete file information including sources. 
FCRA XXXX ( a ) : Any disputed item not verified must be removed within XXXX  days. 
FDCPA XXXX ( XXXX ) : Prohibits false or misleading representation, including misreporting debt status. 
ISSUE : Charged-off account being reported without complete documentation or legal accuracy. 
STORY : XXXX failed to respond to my prior request for validation. No account agreement, terms and conditions, account payment history, or proof of charge-off process has been provided. Reporting a debt as charged off without presenting the full legal context is misleading under both FCRA and FDCPA. If no official records exist showing how the charge-off status was determined, this entry must be deleted. Reporting a charge-off without proof of delinquency and consumer default is both misleading and legally questionable. 
XXXX XXXX XXXX XXXXXX/XX/year> UNAUTHORIZED INQUIRY LAW : FCRA XXXX ( a ) ( XXXX ) : Consumer credit files can only be accessed with permissible purpose and explicit consent. 
FCRA XXXX ( a ) : Credit bureaus must ensure inquiries are legal and documented. 
FCRA XXXX ( a ) : Consumers XXXX dispute and have unauthorized items removed. 
ISSUE : XXXX appears without valid consent, application, or business need. 
STORY : I never initiated any mortgage request or communication with XXXX  XXXX  XXXX. No product or service was sought, and no permission was given for access to my credit report. This inquiry is harming my file and should be permanently deleted unless documented proof of authorization is produced. 
I 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 XXXX XXXX XXXX.

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