Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I demand an immediate and thorough investigation, correction, or deletion of these inaccurate entries, which include accounts reported as collections, charge-offs, and unauthorized inquiries. These inaccuracies are false, misleading, and harmful to my financial standing. 
Disputed Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not and has never been my residence. Its inclusion in my credit report falsely links me to a location where I have never lived. The reporting of this incorrect address violates FCRA 609 ( a ) ( 1 ), which entitles consumers to accurate disclosure and protection from false information. Reporting this address exposes me to potential identity confusion, misattributed accounts, and unjust denial of credit opportunities. I insist this address be removed immediately to prevent further harm. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I have no connection to this property. Including it as my address is wholly inaccurate and misleading. Such reporting demonstrates a failure to verify information before adding it to my credit profile, a direct violation of FCRA 1681e ( b ), which requires reasonable procedures to assure maximum possible accuracy of information. Immediate deletion is required. 
Disputed Accounts : XXXX XXXX High Balance : {$500.00} Opened : XX/XX/XXXX Reported as Late Payment I have never made late payments on this account. Reporting it as late is false, misleading, and damaging to my creditworthiness. The repeated misreporting of this account undermines my ability to obtain fair lending terms. Under FCRA 611 ( a ) ( 1 ), I request an immediate and thorough investigation, with correction of the payment history to accurately reflect timely payments. 
XXXX XXXX XXXX High Balance : {$830.00} Opened : XX/XX/XXXX Reported as Charge-off I have no knowledge of this account. I never opened or authorized it. Reporting this account as a charge-off without verification is a clear violation of FCRA 611 ( a ). I insist on verification and immediate deletion of this entry. Failure to remove unverified accounts constitutes unlawful reporting and exposes the credit bureau to liability under federal law. 
XXXX XXXX XXXX High Balance : {$850.00} Opened : XX/XX/XXXX Reported as Charge-off This account is entirely unknown to me. Its reporting as a charge-off falsely implies delinquency and creates significant damage to my creditworthiness. According to FCRA 1681i ( a ) ( 1 ), I am entitled to a prompt reinvestigation and deletion of any unverifiable information. I demand immediate removal of this account to prevent further financial and reputational harm. 
XXXX XXXX High Balance : {$1000.00} Opened : XX/XX/XXXX Reported as Late Payment I have never missed any payments on this account. The reporting of late payment is false and unjust. Such inaccuracies violate FCRA 623 ( a ) ( 1 ) ( A ), which mandates that furnishers report only information they believe is accurate. I request immediate correction of the payment history to reflect my true payment record. 
XXXX XXXX XXXX High Balance : {$280.00} Opened : XX/XX/XXXX Reported as Charge-off I have no knowledge of this account. It was never opened or authorized by me. Reporting this account as a charge-off is false and constitutes a violation of FCRA 611 ( a ). I request verification and immediate deletion to prevent further damage to my credit report. The continued presence of this inaccurate entry unfairly lowers my creditworthiness and exposes me to potential denial of credit. 
XXXX XXXX High Balance : {$2600.00} Opened : XX/XX/XXXX Reported as Charge-off I have no record of ever opening or authorizing this account. Reporting it as a charge-off without verification is a direct violation of FCRA 611. I insist on immediate removal to prevent continued harm to my financial reputation and creditworthiness. 
XXXX XXXX XXXX High Balance : {$3400.00} Opened : XX/XX/XXXX Reported as XXXX XXXX XXXX  This account is unknown to me. I did not authorize it. The charge-off status reported is false and injurious. Under FCRA 611 ( a ) ( 1 ), I demand verification and deletion of this account from my credit report. 
XXXX XXXX High Balance : {$200.00} Opened : XX/XX/XXXX Reported as Charge-off I have no knowledge of this account. Reporting it as a charge-off is inaccurate, misleading, and damaging to my credit profile. Immediate investigation and removal are required under FCRA 611. 
XXXX XXXX XXXX XXXX High Balance : {$24000.00} Opened : XX/XX/XXXX Reported as Late Payment I have never missed payments on this account. The reporting of late payments is completely false and violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. I request correction of the payment history to reflect accurate information and prevent ongoing harm. 
XXXX XXXX XXXXXXXX High Balance : {$4800.00} Opened : XX/XX/XXXX Reported as Charge-off This account is entirely unknown to me. Reporting it as a charge-off without verification is unlawful under FCRA 611 . I demand deletion and confirmation that it has been removed from my credit report. 
XXXX XXXX High Balance : {$610.00} Opened : XX/XX/XXXX Reported as Charge-off This account is entirely unknown to me. Reporting it as a charge-off without verification violates FCRA 611 ( a ) ( 1 ). I insist on immediate deletion to prevent further financial harm. 
XXXX XXXX XXXX High Balance : {$660.00} Opened : XX/XX/XXXX Reported as Collection I have no record of this account. Its reporting as a collection is inaccurate and constitutes a violation of FCRA 623 ( a ) ( 1 ). Immediate investigation and removal are requested. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$840.00} Opened : XX/XX/XXXX Reported as Collection Duplicate or unverifiable reporting of this account is misleading and false. Under FCRA 611, I request immediate deletion or correction. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$620.00} Opened : XX/XX/XXXX Reported as Collection This account is unknown to me. Listing it as a collection is false and harmful. I demand deletion under FCRA 611 ( a ).

Disputed Inquiries : I also dispute the following hard inquiries as I did not authorize or initiate them. Reporting unauthorized inquiries violates FCRA 604 ( a ) and negatively affects my credit score : XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry, request deletion. 
XXXX XXXXXX/XX/XXXX Unauthorized inquiry, request deletion. 
XXXX XXXXXX/XX/XXXX Unauthorized inquiry, request deletion. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry, request deletion. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry, request deletion. 
These inaccuracies are causing severe harm to my credit profile, financial opportunities, and reputation. I insist that each disputed item be thoroughly investigated, corrected, or deleted in full compliance with FCRA 611, 623, and 604. Please provide written confirmation once all disputes and unauthorized inquiries have been resolved.

Company response to consumer: Closed with explanation