Consumer complaint received 2025-08-20 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 607 ( b ).

Issue : Incorrect address linked to my credit file.

Story : I have never resided in New Jersey and this error may cause accounts or inquiries to be tied to me that are not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Law : FCRA Section 607 ( b ).

Issue : Duplicate and inaccurate address listed.

Story : I have not used this address, and its appearance as both with and without ZIP extension demonstrates reporting errors that need correction.

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Late Payment Law : FCRA Section 611 ( a ) requires reinvestigation of disputed information.

Issue : Reported late payment is inaccurate and not properly verified.

Story : I made timely payments and have records that contradict this negative reporting. Please remove as unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Law : FCRA Section 607 ( b ).

Issue : A charge off is being reported on an account with {$0.00} balance which is inconsistent and inaccurate.

Story : If the balance is XXXX, it can not simultaneously be charged off. This reporting is misleading and damaging to my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off Law : FCRA Section 607 ( b ).

Issue : Reporting a {$0.00} balance account as charge off is inaccurate.

Story : This suggests the bureau is reporting false and contradictory information, which violates accuracy standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Charge Off Law : FCRA Section 611 ( a ).

Issue : Account reported as charge off without proper verification.

Story : I dispute the accuracy of this charge off and request documented validation from the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Collection Law : FCRA Section 609 ( a ) ( 1 ) grants the right to request sources of information.

Issue : Collection account appears without proper validation or proof of ownership.

Story : I have no contract or agreement with this collector and demand validation before this collection can remain. 

INQUIRIES XXXX XXXX XXXX Law : FCRA Section 604 ( a ) ( 3 ) requires permissible purpose for inquiries.

Issue : No authorization was provided.

Story : I never applied for credit with this company. 

XXXX XXXX XXXXXX/XX/XXXX Law : FCRA Section 604.

Issue : Unauthorized inquiry.

Story : I did not grant permission for this pull.

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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