Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
Dear CFPB, I am submitting this formal complaint under my rights protected by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding multiple inaccurate, incomplete, and unauthorized entries on my credit report that are harming my financial reputation and opportunities. Despite my efforts to resolve these errors directly with the credit reporting agencies, these issues remain uncorrected.

I request that CFPB investigate the following disputed accounts and inquiries, ensure their immediate verification, or direct their deletion if unverifiable. 
Wrong Addresses Reported XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrongly listed as part of my address history.

Law : FCRA 1681e ( b ) Accuracy requirement.

Story : The inclusion of this address without verification reflects a breakdown in the credit bureaus duty to maintain accuracy. It could lead to misdirected legal notices, collection attempts, or denial of applications due to suspicion of instability. This false entry can make me appear transient or unreliable to creditors, directly affecting my access to fair credit opportunities. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Issue : Incorrect listing with no verified connection to me.

Law : FCRA 1681i ( a ) Right to reinvestigation.

Story : This address is completely unrelated to my actual residential history. Including it falsely implies that I have a connection to an area where I have never resided, which could trigger negative assumptions about my financial patterns, community ties, or trustworthiness. This misinformation could affect mortgage approvals, insurance rates, and employment background checks.

Incorrect Account Information XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$81.00} XXXX XXXX  Issue : Inaccurate late payment reporting. 
Law : FCRA 1681s-2 ( a ) Prohibition on furnishing false data.

Story : This late payment entry is unverified and incorrect. I have maintained responsible financial behavior, and the alleged delinquency damages my payment history one of the most important factors in credit scoring. This negative mark has already contributed to higher loan rates and credit rejections. Without proper documentation proving its accuracy, it must be removed to restore the integrity of my credit profile. 
XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX Issue : Unverified late payment. 
Law : FCRA 1681e ( b ) & 1681s-2 ( b ) Accuracy and correction obligations.

Story : My payment history is a key indicator for lenders. Reporting an incorrect late payment misrepresents my financial reliability. This falsehood affects not only my score but also my credibility when negotiating credit terms, applying for housing, or undergoing employment background checks. 
XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Inaccurate late payment reporting.

Law : FCRA 1681i ( a ) Removal of unverifiable data.

Story : The incorrect reporting of this account damages my payment history and creates unnecessary suspicion in my credit review process. Without verified documentation proving its accuracy, this entry is an unlawful blemish on my report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} Status : Charge-Off * * Issue : This account is being reported as a charge-off without any verifiable proof that the debt is valid, accurate, and collectible under applicable law. The reporting is damaging and misleading. 
Law : Under FCRA 1681i, if the furnisher can not provide verified documentation proving the accuracy and ownership of this debt, it must be removed. Under FCRA 1681e ( b ), the bureau must maintain maximum possible accuracy.

Story : I have never received any valid notice of charge-off with full account documentation, original signed contract, and accurate payment history. Without proper chain-of-title documentation, this entry constitutes a false and harmful representation of my creditworthiness. Continued reporting of unverifiable debt violates my federal rights and creates reputational harm, loss of financial opportunities, and emotional distress. If XXXX XXXX or your bureau can not provide certified proof, you are required by law to delete this account immediately. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$230.00} Status : Late Payment * * Issue : This account contains late payment notations that are inaccurate and unverifiable. The reported dates do not align with my records.

Law : FCRA 1681c ( a ) ( 5 ) prohibits outdated or incorrect derogatory information. Under 1681i, all disputed late payments must be verified with full payment history from the original creditor.

Story : I dispute the accuracy of these late payment reports because I have not received any statement reflecting the alleged delinquencies. These negative marks appear to be the result of either clerical error or misreporting. Without concrete documentation proving the exact dates and amounts, reporting this as late is unlawful. Continued inclusion of unverifiable late payments creates financial harm and is in direct violation of federal consumer protection laws.

Unverified Inquiries The following inquiries were made without my explicit authorization or a permissible purpose under FCRA 1681b. Reporting unauthorized inquiries violates my privacy rights and damages my credit score. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 1681b.

Story : No permissible purpose exists. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : FCRA 1681b.

Story : No documentation proving authorization has been provided.

Requested Action : I respectfully request that the CFPB : 1. Investigate each of the above accounts and inquiries.

2. Ensure that unverifiable accounts, late payments, charge-offs, and unauthorized inquiries are deleted from my credit report.

3. Confirm in writing that these actions have been completed.

Failure to remove or correct these inaccurate entries constitutes a violation of federal law, and I reserve all rights to pursue remedies under FCRA 1681n and 1681o, including statutory damages, actual damages, and attorneys fees.

Thank you for your prompt attention to this matter. I am including all supporting documentation I have regarding these accounts.

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