Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) reflected on my credit report, which are severely impacting my financial and personal well-being. I request an immediate investigation and correction of the following errors. 
Wrong Addresses Reported : XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX This address has never been associated with me. I have never rented, owned, or conducted any transactions at this location. The false reporting of this address has caused me to receive letters and calls for debts I do not owe, creating significant stress and XXXX. Lenders have misidentified my residence, delaying approvals for loans and credit cards. The erroneous reporting has also exposed me to potential identity theft, requiring me to spend considerable time monitoring my accounts and verifying my identity. This reporting violates FCRA Section 609 ( a ) ( 1 ) and 611 ( a ), which mandates accurate information and timely correction of inaccuracies. 
XXXX XXXX XXXX XXXX, GA XXXX This incorrect address has appeared repeatedly on my credit reports, creating confusion with banks, credit card issuers, and mortgage lenders. I have never lived, rented, or conducted any transactions at this location. The presence of this false address has resulted in wrongful collections calls and letters, delayed financial applications, and caused undue stress and XXXX. Continued reporting of this address without verification violates FCRA Section 611 ( a ) and undermines the reliability of my credit file. 
Account Issues : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} This account is incorrectly reported as a late payment. All payments were made on time, and I have complete documentation proving timely payments. The false late payment has negatively impacted my credit score, delayed mortgage and personal loan approvals, and misrepresented my financial responsibility to lenders. The misreporting has caused significant emotional distress and unnecessary collection inquiries, violating FCRA Section 611 and 623 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} The reported late payment is inaccurate. I have maintained a perfect payment history, yet this false entry has led to collection threats, repeated verification calls, and unwarranted stress. The misreporting has damaged my credit reputation, caused XXXX  over potential denial of financial products, and wasted hours resolving the issue with multiple institutions. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$86.00} This account is incorrectly marked as a late payment. Despite full and timely payments, the false reporting has misrepresented my payment history to lenders, causing undue hardship. I have had to repeatedly contact customer service and credit bureaus to explain the discrepancy, resulting in loss of time, frustration, and stress. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} The reported late payment is entirely inaccurate. I have consistent evidence of on-time payments. The misreporting has caused lenders to perceive me as a high-risk borrower, impacting my ability to access credit, obtain favorable interest rates, and manage my financial planning. This has resulted in significant emotional and financial harm, including XXXX  and disruption to my daily life. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} This account is falsely reported as a charge off. I have fully complied with all payment schedules. The false charge off has severely harmed my credit profile, making it difficult to obtain loans, secure housing, and access financial services. It has caused repeated stress, inquiries from debt collectors, and the need for extensive time and effort to dispute the claim. This is a violation under FCRA Section 611 ( a ) and exposes me to potential economic and emotional damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Reported as a charge off. I have never defaulted on this account, and all obligations were met according to the original agreement. Despite providing documentation of timely payment, the false charge off has led to collection calls, repeated harassment, and unwarranted hard inquiries that have negatively impacted my credit score. This reporting has caused me to face unnecessary stress, disrupted my financial planning, and created XXXX  about future loan and credit applications. The presence of this incorrect information violates FCRA Section 611 ( a ) and FDCPA provisions prohibiting false reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Falsely reported as a charge off. I have maintained timely payment on this account. The misreporting has caused repeated attempts from collections agencies to contact me for debts I do not owe, resulting in emotional distress and wasted time in disputing the claim. Lenders have misinterpreted this false information, delaying loan approvals and misrepresenting my financial responsibility. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as a late payment incorrectly. I have never missed a scheduled payment. This erroneous late payment has caused multiple lenders to perceive me as a high-risk borrower, resulting in higher interest rates on loans and delays in credit approvals. I have spent hours contacting both the creditor and the credit bureaus to correct this mistake, which has caused frustration, stress, and emotional XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Falsely reported as a charge off. I have fully complied with the payment schedule. Despite this, I have received multiple calls and letters from debt collectors attempting to collect a non-existent debt. The inaccurate reporting has affected my ability to obtain credit and financial services, caused significant stress, and required time-consuming disputes with both the creditor and credit reporting agencies. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Incorrectly reported as a late payment. My full payment history shows timely payments, yet this false reporting has caused unnecessary inquiries, delayed approvals for loans and credit, and caused severe emotional stress. I have had to repeatedly document my payment history and contact the credit bureaus, which has been inconvenient and stressful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as a late payment erroneously. All obligations were fulfilled on time. This inaccurate reporting has caused lenders to perceive me as unreliable, delayed my credit applications, created XXXX, and forced me to spend considerable time and effort to dispute the false entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Incorrectly reported as a charge off. I have maintained full and timely payments on this account. The false charge off has caused repeated collection attempts, a negative impact on my credit profile, denial or delays in credit and loan approvals, and unnecessary stress and XXXX. I have had to invest significant time and effort to dispute this inaccurate information and prove my compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as a late payment incorrectly. I have never missed any payments on this account. Despite providing full proof of on-time payments, the false late payment has caused lenders to perceive me as unreliable, delayed credit approvals, and created significant emotional distress. I have had to repeatedly contact the creditor and multiple credit bureaus, spending hours resolving this issue, and I have received repeated calls and letters that caused XXXX  and stress. The inaccurate reporting misrepresents my financial reliability, and violates FCRA Section 611 ( a ) and FDCPA provisions prohibiting false reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Falsely reported as a late payment. I have maintained a perfect payment record, yet this false reporting has led to collection notices and unnecessary inquiries that have harmed my credit reputation. I have experienced frustration, emotional distress, and wasted time disputing the error, which also delayed important financial transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} Reported as a charge off incorrectly. I have fully complied with the payment schedule. Despite this, I have received repeated calls, emails, and letters from collection agencies attempting to collect a debt I do not owe, causing financial XXXX  and emotional stress. This inaccurate reporting has resulted in denial of credit opportunities, increased interest rates, and misrepresentation of my financial responsibility. This constitutes a violation under FCRA Section 611 ( a ) and FDCPA protections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Incorrectly reported as a charge off. I have never defaulted on this account. The false reporting has caused repeated collection attempts, delays in obtaining credit, and unnecessary stress. I have been forced to spend significant time documenting my payment history and contacting multiple agencies to remove this erroneous charge off, which has caused financial inconvenience and emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Falsely reported as a late payment. All payments were made on time. This misreporting has caused lenders to perceive me as high-risk, delayed approvals for credit cards and loans, and caused severe emotional stress and frustration. The inaccurate reporting misrepresents my creditworthiness and has created undue hardship in managing my finances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as a late payment incorrectly. I have consistently made all payments on time. The false late payment has caused repeated hard inquiries, undue stress, delays in financial transactions, and unnecessary administrative work to dispute this entry. 
XXXX XX/XX/XXXX Incorrect hard inquiry reported. I did not authorize this inquiry, yet it appears on my credit report. This has created unnecessary stress, potential denial of credit, and wasted time to dispute the inaccuracy with multiple agencies. 
These errors collectively demonstrate a pattern of negligence and noncompliance with federal credit reporting laws. The cumulative impact has caused financial hardship, repeated delays in credit access, emotional stress, wasted time, and exposure to identity theft. I demand immediate investigation, correction, or deletion of all inaccurate information, along with a written confirmation and an updated credit report reflecting these corrections. 
Supporting Laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681-1681x Sections 604, 609, 611, 623 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692-1692p protects against false or misleading reporting I am exercising my rights under the FCRA to dispute inaccurate and misleading information and demand immediate corrective action. Failure to act on this complaint constitutes willful noncompliance with federal law, exposes the reporting agencies to liability, and continues to cause undue financial and emotional harm.

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