Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional distress, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
XXXX XXXX XXXX XXXX, NC XXXX Issue : Duplicate of previously listed incorrect address. 
Law : Per FCRA Section XXXX, duplicative incorrect data must be removed to prevent skewing reports. 
Story : Repeated entries of false addresses indicate poor data hygiene and lack of proper investigation by the credit reporting agency, compounding my credit damage. 
XXXX XXXX XXXX XXXX XXXX, PAXXXX Issue : I have no ties to this address, which is in a completely different state. 
Law : Reporting false data may amount to negligent noncompliance under FCRA XXXX. 
Story : I live in a different region entirely, and such an entry implies potential identity theft or account mingling. This damages trust with lenders who review my file. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  | High Balance : {$800.00} | Date Opened : XX/XX/XXXX XXXX XXXX Issue : Reported late payments that I believe are inaccurately dated or not mine. 
Law : FCRA XXXX ( a ) ( XXXX ) ( A ) requires furnishers to report data with full accuracy and completeness. 
Story : This account dates back over XXXX  years. Ive been trying to maintain this relationship in good faith, but I was never notified about these alleged late payments. I suspect the creditor misapplied payments or failed to report updates after a payment plan was established. This blemish is affecting my ability to get new credit cards and refinance my auto loan. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX | High Balance : {$34000.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Late payments are inaccurately listed on this auto loan. 
Law : Under Section XXXXXXXX of the CARES Act, consumers with hardship agreements should not be penalized. 
Story : I was financially devastated by the pandemic. I contacted XXXX and entered a forbearance plan that should have protected my credit. Despite this, they reported late payments during my protected period. This has left me ineligible for vehicle refinancing and is increasing my insurance premiums. 
I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

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