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 May Concern I am writing to file a formal complaint against the inaccurate, misleading, and unauthorized information being reported on my credit report by various furnishers and credit reporting agencies. Despite multiple attempts to dispute and correct these errors, they persist, causing me significant financial harm, emotional distress, and obstructing my access to fair credit.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting, proper validation of debts, and protection from unauthorized credit inquiries. Below I outline the specific items in dispute, the related violations, and my demands for immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address This address is falsely attributed to me, violating FCRA Section 611 ( a ) ( 1 ), which requires credit bureaus to conduct a reasonable investigation when a dispute is filed. The persistence of this incorrect address indicates a failure to perform a meaningful investigation, undermining my consumer rights. The presence of this incorrect information misleads creditors, potentially resulting in wrongful credit denials or offers on unfavorable terms. It also leads to confusion in my identity verification process. This inaccurate data must be removed promptly, as continued reporting of false information could be grounds for damages under FCRA enforcement provisions. I demand immediate rectification of this error and confirmation of its deletion. 
XXXX XXXX XXXXXXXX XXXX, GA XXXX Wrong Address The erroneous reporting of this address violates FCRA Section 623 ( a ) ( 1 ) ( A ) which holds furnishers responsible for providing accurate data to credit reporting agencies. Creditors rely heavily on address information to authenticate identities and creditworthiness. The inaccurate reporting of an address I have never lived at creates the risk of mistaken identity, resulting in unfair credit actions against me. It is also a breach of the duty of care that furnishers owe to consumers to prevent the dissemination of false information. This misinformation compromises my credit integrity and may subject me to further unauthorized inquiries or credit offers that do not apply. I demand an immediate and thorough reinvestigation and removal of this erroneous address to comply with federal law. 
XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$26000.00} XXXX XXXX  Late Payments Santanders reporting of late payments on my account is disputed under FCRA Section 623 ( a ) ( 1 ) ( B ), which obligates furnishers to provide accurate and complete information. Reporting inaccurate late payments misrepresents my payment behavior, unfairly lowering my credit score and damaging my financial reputation. Such misreporting results in increased borrowing costs and may cause denial of credit opportunities. I have always maintained timely payments or corrected payments that were disputed, and this inaccurate reporting constitutes a material error. This violates my rights and is damaging to my financial health. I demand validation of these entries or immediate deletion of inaccurate late payments. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$610.00} XXXX XXXX  Charge Off The charge off status reported is inaccurate and misleading, violating the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. Charge offs indicate severe delinquency and negatively impact credit scores substantially. If this status is incorrect, it must be removed immediately to restore my credit standing. I dispute this entry because it does not reflect my payment history or the true status of the debt. The FCRA requires verification of disputed information, and failure to do so within 30 days mandates deletion. This false charge off results in unjust harm and must be corrected. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} * * Charge Off XXXX XXXX charge off reporting is challenged due to lack of verification. Under FCRA Section 611 ( a ), I have the right to dispute inaccurate information, and furnishers must investigate and verify disputed data. A wrongful charge off signals severe credit delinquency and damages my creditworthiness. Incorrect negative reporting is actionable under FCRA, and failure to correct it can lead to legal consequences for the creditor and credit bureaus. I insist on an immediate review and removal if the charge off can not be validated. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} XXXX XXXX Charge Off XXXXXXXX XXXX charge off status is disputed. According to FCRA, all negative information must be accurate and verifiable. Erroneous charge offs distort my credit history and unjustly reduce my credit score, impacting my ability to secure loans or favorable interest rates. This inaccurate reporting breaches my consumer rights and must be removed promptly to avoid ongoing harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$3200.00} XXXX XXXX Charge Off XXXX XXXX XXXXXXXX has listed a charge off status that is inaccurate or unverified. FCRA and FDCPA require accurate reporting and prompt investigation of disputes. Such errors can mislead lenders, resulting in rejection of credit or increased costs. This false charge off harms my credit reputation and must be corrected immediately or removed. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX  Charge Off XXXX XXXXXXXX XXXX charge off entry is disputed for accuracy under FCRA. Inaccurate negative reporting such as this violates my rights and damages my credit profile. I demand verification of this charge off or its removal if unverifiable to restore the accuracy of my credit report. 
XXXX XXXX XXXX - XX/XX/XXXX Inquiry XXXX XXXX inquiry was conducted without my permission, violating the FCRA. Unauthorized inquiries damage credit scores and breach consumer rights. I require its removal unless validated as authorized. 
XXXX XXXX AUTO FIN - XX/XX/XXXX Inquiry Capital XXXX Auto Finances inquiry lacks my consent and violates FCRA XXXX XXXX. Unauthorized inquiries unfairly lower credit scores. XXXX deletion is required if authorization can not be proven. 
ALLY FINANCIAL - XX/XX/XXXX Inquiry Ally Financials inquiry is unauthorized and violates FCRA. Credit inquiries require explicit consent to avoid unjust credit score damage. I demand removal of this inquiry. 
XXXX XXXX - XX/XX/XXXX Inquiry Duplicate XXXX XXXX inquiry exacerbates the negative impact on my credit. Both inquiries must be verified and removed if unauthorized. 
XXXX XXXX XXXX - XX/XX/XXXX Inquiry Unauthorized inquiry by XXXX XXXX XXXX violates my FCRA rights. Such inquiries harm my credit without cause. Removal is mandatory unless properly authorized. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Repeated XXXX XXXXXXXX inquiry without proper authorization. This pattern shows disregard for consumer protection laws. All invalid inquiries must be removed. 
Demands I demand an immediate and thorough reinvestigation of all above-listed addresses, accounts, and inquiries. If the information can not be fully verified and validated as accurate, I require its permanent removal from my credit report. Failure to comply within the 30-day period will force me to pursue further legal remedies and escalate this complaint. 
Please provide me with written confirmation of your findings and actions taken in response to this complaint.

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