Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am filing this complaint to report ongoing inaccuracies on my credit report that have not been properly addressed despite my efforts to dispute them. The information reported is inaccurate, incomplete, and not maintained in compliance with the Fair Credit Reporting Act, 15 U.S.C. 1681. These errors continue to harm my credit profile and demonstrate a failure by the credit reporting agencies and furnishers to follow federal law. 
XXXX XXXX XXXX XXXX, NJ XXXX Wrong Address This address does not belong to me. I have no knowledge of this address and have never lived at or used it for any purpose. Reporting incorrect personal identifying information violates 15 U.S.C. 1681e ( b ). Since this address is inaccurate and not verifiable as mine, it must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Wrong Address I dispute this address as not mine. I have never resided at this location, and it is not associated with my identity. The continued reporting of this incorrect address demonstrates a failure to maintain maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). This address must be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment This account is reporting late payment history that is inaccurate. I did not make late payments as reported. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to report accurate information. If the late payment history can not be fully verified with complete and competent records, the inaccurate payment history must be corrected immediately. I am disputing the accuracy of the payment history only, not requesting deletion of the account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7900.00} Late Payment The late payment reporting on this account is inaccurate and misleading. I dispute the payment history as reported. Credit reporting agencies must ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). If the late payment history can not be properly verified, it must be corrected to reflect accurate payment status. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Late Payment This account reflects late payments that I dispute as inaccurate. I did not make late payments as shown on my credit report. Reporting incorrect payment history violates the FCRA. I request correction of the inaccurate late payment history after a lawful reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Late Payment The late payment information reported on this account is not accurate. I dispute the payment history and request that it be corrected. If the furnisher can not provide full documentation verifying the late payments, the inaccurate information must be corrected pursuant to 15 U.S.C. 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$59000.00} Late Payment This account is reporting late payments that I dispute as inaccurate. The reported payment history does not reflect my actual payment behavior. Under the FCRA, unverifiable or inaccurate payment history must be corrected. I am requesting correction of the late payment reporting only. 
Despite my disputes, these inaccurate and unauthorized items continue to be reported. This reflects a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and a failure to correct or delete unverifiable information. 
I am requesting that the CFPB review this matter and require the credit reporting agencies and furnishers involved to comply with the Fair Credit Reporting Act by deleting incorrect addresses, correcting inaccurate late payment histories, and removing unauthorized inquiries. 
I respectfully request written confirmation of the actions taken to resolve this complaint.

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