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: LA

Complaint narrative:
Consumer Financial Protection Bureau I am submitting this complaint due to multiple inaccurate and harmful entries being reported on my credit file by various furnishers and credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These include incorrect addresses, inaccurate late payments, unverified collections, and an unjust charge-off, all of which are damaging my credit reputation and causing me financial and emotional hardship. I am requesting full investigations and appropriate action including deletions and corrections under federal consumer protection laws. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : This address has never belonged to me and I have no association with it in any way. 
Law : Under FCRA 15 U.S. Code 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy. Reporting addresses that do not belong to the consumer is a direct violation. 
Story : I have never resided at this location, nor have I used it for any financial application. Including this address on my report creates the false impression of identity inconsistency, which could lead to denial of credit or suspicion of fraud. I respectfully request its immediate deletion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address Issue : This is another address that is completely unfamiliar to me and inaccurately reported. 
Law : As per the FCRA 1681i, consumers have the right to dispute incomplete or inaccurate information, and the CRA must investigate.

Story : This incorrect address may have been reported due to a clerical error or potential identity confusion. Its presence harms my creditworthiness and does not reflect my actual residence history. I demand immediate removal. 
XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Late Payments * * Issue : Late payments reported without honoring my hardship assistance request. 
Law : FCRA 1681i guarantees my right to dispute and correct inaccurate information. Additionally, during COVID hardship, creditors were required under the CARES Act to report accounts as current if an accommodation was made. 
Story : I experienced severe financial hardship due to COVID-related layoffs and requested assistance. I was told I would receive deferred payment options, but the account was marked late regardless. This is unfair, harmful, and must be corrected. 
XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments * * Issue : The account reflects derogatory payment history on a {$0.00} balance, which is inaccurate. 
Law : According to FCRA 1681e ( b ), consumer information must be reported with maximum accuracy. 
Story : Reporting late payments on an account with no outstanding balance is misleading and punitive. I completed all financial obligations tied to this account, and it should not continue to harm my credit profile. 
XXXX XXXX XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$530.00} Collection * * Issue : The account is reported as a collection without providing any validation. 
Law : Under FDCPA 15 U.S. Code 1692g ( a ), a debt collector must provide proper debt validation upon request. 
Story : I do not recall any account related to this balance or the original creditor. Despite my repeated requests, I have not been given any validation documents. Reporting this without verification is a violation of my rights and must be deleted. 
XXXX XXXX  # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} Late Payments * * Issue : Late payments are reported despite my account being under agreed forbearance. 
Law : The CARES Act requires creditors to report accounts as current if a forbearance agreement exists. FCRA 1681s-2 ( b ) also obliges furnishers to investigate disputed information. 
Story : I arranged a temporary payment relief plan with Navy Federal during a period of financial difficulty. They verbally agreed to pause payments, yet late notations were reported. This is deceptive and I request immediate correction or removal. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX * * Date Opened : XX/XX/XXXX Balance : {$640.00} Collection * * Issue : This collection has not been verified and is unknown to me. 
Law : FDCPA 809 and FCRA 1681g entitle consumers to full debt validation before collection reporting. 
Story : I never received any notice or documentation supporting this alleged debt. It may be fraudulent or a result of mixed files. I request immediate removal due to failure to validate. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Collection * * Issue : Debt is unverified and possibly time-barred. 
Law : Under FDCPA 809 ( b ), debt collectors must validate a debt if the consumer disputes it within 30 days. 
Story : I have no recollection of this debt. XXXX XXXX has a known pattern of reporting unverified or outdated debts. I formally dispute this account and request its deletion from my credit profile. 
XXXX  # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Charge Off * * Issue : Charge-off recorded despite active hardship communication and unresolved payment plan discussions. 
Law : FCRA 1681i gives consumers the right to dispute and demand reinvestigation of inaccurate or unfair data. 
Story : I experienced job loss and illness, both documented, and contacted XXXX XXXX to negotiate a resolution. They failed to respond, refused assistance, and charged off the account despite my efforts. This action was punitive and did not reflect the good faith steps I took to resolve the matter. 
Each of these issues has caused me emotional distress, denials of credit, and a significant reduction in my credit score, even though much of the information is either outdated, unverifiable, incorrect, or unjust based on my efforts to maintain my financial integrity. I request that the CFPB assist me in having these inaccuracies addressed promptly and ensure that the furnishers and reporting agencies comply with the legal standards required by federal law. I am requesting full deletion or correction of these accounts and addresses.

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