Consumer complaint received 2025-09-01 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 complaint to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

Addresses : XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 1681e ( b ) requires accurate reporting of personal identifying information including addresses. 
Issue : This address is not mine and has been inaccurately reported on my credit report. 
Story : I have never resided at XXXX XXXX XXXX Its presence creates a false representation of my residence history, which could mislead lenders or landlords and negatively impact my creditworthiness. FCRA 1681e ( b ) obligates the bureau to maintain accurate data. Immediate deletion is required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 1681e ( b ) Issue : Erroneous address reporting. 
Story : This address is not mine and may indicate a clerical or identity error. Its inclusion misleads creditors and damages my credit reliability. FCRA 1681i requires reinvestigation and removal if unverifiable.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Opened XX/XX/XXXX {$390.00} XXXX XXXX Law : FCRA 1681i ( a ) requires reinvestigation of disputed accounts and deletion if unverifiable. 
Issue : Reported charge-off is inaccurate. 
Story : I have never opened this account. Its reporting misrepresents my financial behavior, lowers my credit score, and can prevent me from accessing credit. The bureau must delete unverifiable accounts per FCRA 1681i.

MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Opened XX/XX/XXXX {$390.00} XXXX XXXX  Law : FCRA 1681i ( a ) Issue : Inaccurate charge-off. 
Story : This account has not been verified with supporting documentation. Its presence misleads lenders and can cause denial of credit or higher interest rates. FCRA 1681i mandates removal if unverifiable.

XXXX XXXX XXXX XXXX Chargeoff Opened XX/XX/XXXX {$0.00} XXXX XXXX Law : FCRA 1681i ( a ) Issue : False charge-off. 
Story : Reporting this XXXX-balance account as a charge-off is inaccurate and harms my credit profile. FCRA 1681i requires deletion until verified. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened XX/XX/XXXX {$1800.00} * * Law : FCRA XXXX ( a ) Issue : Incorrect late payment. 
XXXX : This payment was made on time. Reporting it as late misrepresents my payment history, damages my credit, and violates FCRA XXXX. Removal or correction is required. 

XXXX XXXX * * * * * * * Late Payment Opened XX/XX/XXXX {$2100.00} * * Law : FCRA XXXX ( a ) Issue : Inaccurate late payment. 
XXXX : The late payment reported is false. Its inclusion can mislead lenders and affect my ability to obtain loans. FCRA XXXX requires deletion if unverifiable. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Opened XX/XX/XXXXXXXX  {$2000.00} XXXX XXXX Law : FCRA 1681i ( a ) Issue : Unverified late payment. 
Story : This item is inaccurate and harms my credit profile. Reporting without verification violates FCRA 1681i. Reinvestigation and deletion are required.

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Opened XX/XX/XXXXXXXX  {$3500.00} XXXX XXXX Law : FCRA 1681i ( a ) Issue : False late payment. 
Story : This reported late payment misrepresents my financial responsibility. FCRA 1681i mandates deletion if unverifiable.

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Opened XX/XX/XXXXXXXX  {$1700.00} XXXX XXXX Law : FCRA 1681i ( a ) Issue : Inaccurate late payment. 
Story : Reporting this incorrectly harms my credit and violates FCRA 1681i. Removal is required.

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Opened XX/XX/XXXX {$650.00} XXXX XXXX Law : FCRA 1681i ( a ) Issue : Incorrect charge-off. 
Story : This account is inaccurately reported. Its presence negatively impacts my credit and violates FCRA. Deletion is required.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX {$950.00} XXXX XXXX Law : FCRA 1681i ( a ) Issue : Erroneous collection account. 
Story : This collection is not mine. Reporting it misleads lenders and impacts my credit score. FCRA 1681i mandates deletion if unverifiable.

XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX {$1000.00} XXXX XXXX Law : FCRA 1681i ( a ) Issue : Incorrect collection reporting. 
Story : This account is falsely attributed to me. Its presence misrepresents my creditworthiness. Removal is required.

XXXX XX/XX/XXXX Law : FCRA 1681b ( f ) Issue : Unauthorized inquiry. 
Story : I never consented to this inquiry. Its reporting misrepresents my credit activity and violates FCRA. Deletion is mandatory. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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