Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
To whom it may concern, I am writing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies, violations, and errors on my credit report that have caused severe and ongoing financial and emotional distress. Despite my repeated attempts to resolve these matters directly with the credit reporting agencies and furnishers, the accounts, inquiries, and addresses listed below continue to appear on my reports in violation of federal law. I am requesting a full investigation and immediate correction or deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and applicable laws and regulations. 

WRONG ADDRESSES XXXX XXXX XXXX XXXX, MI XXXX Reported XX/XX/XXXX Issue : Wrong Address Law : FCRA 1681e ( b ) Credit agencies must ensure maximum possible accuracy Story : I have never resided at this location. This address has no connection to me or my credit activity. I believe this was added due to a mixed file error or fraudulent data entry. Its presence confuses potential lenders and violates my rights. I demand its immediate deletion. 
XXXX XXXX XXXX XXXX, MI XXXX Reported XX/XX/XXXX Issue : Wrong Address Law : FCRA 1681c ( a ) ( 4 ) Obsolete and outdated addresses must be removed Story : This address is from nearly two decades ago and has never been my place of residence. I suspect identity confusion or system error. Keeping this outdated address on file is misleading and creates a false credit identity that affects loan decisions. 
ACCOUNTS WITH ISSUES XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Issue : Late Payment Law : FCRA 1681s-2 ( a ) Furnishers must report accurate information Story : I had an unexpected emergency and reached out to XXXX  XXXX for assistance, yet they failed to offer any flexibility. I was not properly notified or given adequate time to address the issue. The late mark was added unfairly and is hurting my credit score. I request that the payment history be corrected or this account be updated to reflect Paid on time. 
XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$670.00} Issue : Collection Account Law : FDCPA 809 ( a ) Must provide debt validation before reporting Story : I never received a validation notice for this alleged debt. I have no recollection of any obligation to this company. Reporting this without prior notice and validation violates my consumer rights. I request deletion of this unverified collection from all reports. 
XXXX, XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$790.00} Issue : Collection Account Law : FDCPA 809 ( b ) ; FCRA 623 ( a ) ( 5 ) Story : I requested written verification of this debt but never received anything. I do not acknowledge this account. Its harming my credit unfairly and must be removed. Reporting unverifiable data is a clear violation of the law. 
DPT EDXXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$65000.00} Issue : Late Payment Law : CARES Act 3513 ; FCRA 1681s-2 ( b ) Story : During the COVID-19 emergency, my student loans were under automatic forbearance. No late payments should have been reported. It is illegal under the CARES Act to show delinquencies during that time. I demand this be corrected immediately. 
XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : After the account closed, it should not reflect late payments unless accurately documented. No valid proof was provided of the delinquencies, and my right to dispute under the law gives me the ability to challenge this. Please provide full documentation or delete.

HARD INQUIRIES Unfamiliar or Unauthorized Law for All Below : FCRA 604 ( a ) ( 3 ) Inquiries must have a permissible purpose and consumer authorization Each of the following inquiries either : Was done without my consent Was excessive in nature from auto dealerships Was duplicate or unnecessary Was made after no credit was applied for Please remove all the following inquiries : o XXXX XXXX XX/XX/XXXX XXXX I did not apply for this credit. Likely unauthorized pull. 
o XXXX XXXX XXXXXX/XX/XXXX - I never authorized this third-party company to access my report. 
o XXXX XX/XX/XXXX- Did not authorize or contact this lender. 
o XXXX XXXX XX/XX/XXXX - Possibly a prequalification misuse. 
XXXX XXXX XXXX XXXX XX/XX/XXXX - Unknown institution, no inquiry made. 
o XXXX XXXX XX/XX/XXXX - Inquiry made without permission. 
o XXXX XXXX XXXX XXXXXX/XX/XXXX - Never applied, should be removed. 
o XXXX XXXX XXXX XX/XX/XXXX - Lead abuse by dealership. 
o XXXX XXXX  XX/XX/XXXX - Should not reflect hard inquiry. 
o XXXX XXXX XX/XX/XXXX - Not initiated by me. 
These are only a few of the many errors affecting my credit file. These inaccuracies continue to violate my rights under federal law and have caused repeated denials for housing, auto financing, and employment. The repeated failure of data furnishers and credit bureaus to properly investigate or correct these errorsdespite my prior disputesconstitutes a willful violation of FCRA 1681n and negligent noncompliance under 1681o. I am requesting that the CFPB take urgent action to require the full reinvestigation of the listed items, correct or delete all inaccurate, incomplete, or unverifiable information, and ensure that furnishers and reporting agencies comply with the law. If necessary, I am prepared to seek legal assistance for enforcement and damage

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