Consumer complaint received 2025-09-22 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: VA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and errors reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, credit reporting agencies and furnishers are required to report accurate information. The following accounts and addresses are inaccurately reported, resulting in material harm to my creditworthiness, financial opportunities, and personal reputation. 
XXXX XXXX XXXX, XXXX, VA, XXXX Wrong Address I have never resided at or had any business association with this property. Its appearance on my credit file has caused multiple creditors to flag my accounts for possible fraud, which has led to delays in credit approval and increased scrutiny on otherwise legitimate applications. This false address reporting is a direct violation of FCRA 611, which requires accurate and complete reporting. 
XXXX XXXX XXXX, XXXX, VA, XXXX Wrong Address The inclusion of this address has caused confusion in my billing statements, delayed payment processing, and led to unnecessary collection notices from unrelated accounts. Reporting inaccurate addresses violates FCRA 611 and materially affects the accuracy and reliability of my credit file. 
XXXX XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX XXXX XXXX Balance : {$250000.00} Late Payment This account falsely shows late payments. I have consistently paid on time, and these inaccurate reports have led to higher interest rates being quoted to me, delayed refinancing approval, and additional financial stress. Misreporting late payments violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). This error has also caused undue emotional distress and has materially harmed my ability to obtain housing and auto loans, as lenders rely on these reports to assess creditworthiness. 
XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, High Balance {$72.00} Collection This collection account is falsely attributed to me. I have never owed this debt. Its appearance has caused rejection of credit applications, harassment from collection agencies, and unwarranted inquiries into my personal finances. FCRA 623 ( b ) ( 1 ) prohibits the reporting of inaccurate information, and this false listing constitutes both a financial and reputational harm. 
XXXX, XX/XX/XXXX Inquiry This inquiry was never authorized by me. Unauthorized hard inquiries negatively affect my credit score, misrepresent my credit behavior, and potentially affect my ability to secure loans or credit. FCRA 604 ( a ) ( 3 ) strictly limits permissible inquiries, and this violation indicates a failure to follow federal law. 
XXXX, XX/XX/XXXX Inquiry Similarly, this hard inquiry was not initiated by me. Its reporting has contributed to a lower credit score and has led to lenders questioning my financial responsibility, causing application delays. Unauthorized inquiries are a direct violation of FCRA 604 ( a ). 
XXXX XXXX, XX/XX/XXXX Inquiry This inquiry was not authorized by me and falsely implies that I sought credit from XXXX. This inaccurate reporting impacts my credit evaluation, causing lenders to incorrectly interpret my credit activity and potentially deny applications. FCRA 604 ( a ) requires that inquiries be properly authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry is unauthorized and negatively affects my credit profile. It misrepresents my credit-seeking behavior, creates unnecessary scrutiny from lenders, and violates my rights under FCRA 604 ( a ). 
I request that all inaccurate information be investigated and immediately corrected or removed. Any continued reporting of these inaccuracies constitutes a violation of federal law. I am exercising my rights under FCRA to demand the removal of incorrect addresses, false late payments, erroneous collections, and unauthorized inquiries. Failure to correct these errors may result in further legal action, including remedies under federal and state law. 
Please acknowledge receipt of this dispute and provide confirmation of your investigation within the timeframe required by law.

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