Consumer complaint received 2025-08-27 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 regarding multiple inaccurate and unauthorized items on my credit report. These inaccuracies are severely affecting my credit reputation, causing financial hardship, emotional stress, and are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. I request immediate investigation and correction of each item listed below. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address This address has never been associated with me. I have never lived, rented, or conducted financial transactions at this location. Its inclusion on my credit report misleads potential creditors into thinking I have ties or responsibilities here, potentially leading to denials of credit or higher interest rates. Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum accuracy. The reporting of this false address is a clear violation of my rights. I demand immediate removal of this address and written confirmation once completed. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6.00} Late Payment This account also reports inaccurate late payments. Despite the balance being minimal, the false reporting shows negligence and irresponsibility on my part. Such errors, even on small amounts, can accumulate over time and create significant damage to my creditworthiness. Under FCRA 1681s-2 ( b ), furnishers are prohibited from providing inaccurate information to credit reporting agencies. I request immediate verification with documentation, and if unverifiable, this late payment must be removed without delay. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account is reported with late payments that never occurred. I have consistently paid all obligations on time. False reporting of late payments, regardless of the balance, causes unnecessary stress, threatens my ability to obtain credit, and misrepresents my financial behavior. Under FCRA XXXX ( a ), I demand immediate deletion or correction of this inaccurate information and a confirmation in writing once the correction is made. The presence of such errors has already caused me repeated denials and increased interest rates, which is unacceptable. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Collection This collection account is entirely inaccurate. I do not owe this debt and dispute its validity. Reporting this collection without validation is causing irreparable damage to my credit score, affecting my ability to rent, finance vehicles, and obtain personal loans. Under FCRA 1681i ( a ), I have the right to dispute unverified or fraudulent collections. I request documented evidence including a signed contract, account statements, and proof of any alleged transaction. Until such validation is provided, this collection account must be removed immediately to prevent further harm. The emotional distress, reputational harm, and financial barriers caused by these false reports are substantial. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account incorrectly reports a late payment. I have consistently made all required payments on time. Reporting false late payments misrepresents my financial responsibility and reliability, causing potential denial of credit and higher interest rates. Under FCRA 1681i ( a ), I am entitled to dispute and demand correction of unverifiable or inaccurate information. I request documented verification including statements and payment history. If verification can not be provided, this late payment must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Charge Off This charge-off is inaccurately reported. I have never received proper notification or validation of this debt, and it does not belong to me. FCRA 1681i ( a ) grants me the right to dispute unverified debts. Reporting this false charge-off is causing severe damage to my credit score, affecting my ability to secure loans, housing, and other essential services. I demand immediate removal or verification of this account, including all legal documentation and records validating the alleged charge-off. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account falsely reports late payments. I have maintained punctual payments for this account. Such incorrect reporting misleads lenders about my financial behavior, potentially affecting my credit approvals and interest rates. Under FCRA 1681s-2 ( b ), furnishers are prohibited from providing inaccurate information. I request immediate verification of all payments, and if unverifiable, the account must be corrected or removed without delay. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Late Payment * * This account is reported with late payments that never occurred. The false reporting creates a misleading impression of financial irresponsibility. Under FCRA 1681i ( a ), I demand verification of each alleged late payment, including signed contracts, statements, and transaction history. Until proper verification is provided, this negative entry must be removed to prevent further harm to my creditworthiness. 
XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment * This account inaccurately shows late payments. I have consistently made timely payments. The false reporting is damaging my credit reputation, causing undue stress and financial limitations. Under FCRA 1681i ( a ), I have the right to dispute and demand correction of inaccurate information. I request documented proof, and if verification can not be provided, the late payment must be deleted immediately. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$290.00} Late Payment * * This account falsely reports late payments, misrepresenting my financial reliability. Reporting inaccurate information is a violation of FCRA 1681i ( a ) and 1681e ( b ), which require accurate and verifiable reporting. I request immediate verification, including all transaction records, statements, and account history. If this information can not be verified, the inaccurate late payment notation must be removed and written confirmation provided. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} Late Payment * * This account falsely reports late payments. I have consistently made all payments on time, and these false late payment notations have caused me multiple loan denials, increased interest rates, and personal financial stress. The presence of this inaccurate late payment has impacted my ability to secure housing and auto financing, forcing me to pay higher premiums unnecessarily. Under FCRA 1681i ( a ), I request immediate verification including account statements, transaction history, and proof of any alleged late payment. If verification can not be provided, the inaccurate late payment must be deleted immediately to restore my creditworthiness. The emotional and financial toll of this inaccurate reporting is significant, including sleepless nights, repeated calls to creditors, and undue anxiety over my financial stability. 
XXXX XXXX XX/XX/XXXX XXXX This inquiry was not authorized by me. Reporting unauthorized inquiries is a direct violation of FCRA 604 ( a ) and has negatively impacted my credit score, causing repeated denials and unnecessary delays in essential financial transactions. I request immediate deletion and confirmation. The repeated stress of explaining unauthorized inquiries to lenders has caused emotional strain and financial inconvenience. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. Under FCRA 604 ( a ), immediate removal is required. Reporting without consent misrepresents my financial activity and has caused personal financial hardship, including repeated lender inquiries and unnecessary administrative work. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not authorized by me. Under FCRA 604 ( a ), I request immediate deletion. The false representation of my credit activity has caused undue stress, confusion with lenders, and unnecessary financial barriers. 
XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry. XXXX removal is required under FCRA XXXX ( a ). The inaccurate inquiry has impacted my credit reputation, caused repeated clarifications with financial institutions, and created personal and financial anxiety. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX Inquiry This inquiry was not authorized. Immediate deletion is required under FCRA 604 ( a ). Its presence falsely signals active credit-seeking behavior, causing lenders to view me as higher risk, which has led to financial setbacks and emotional distress. 
I request the CFPB to take immediate action to ensure that these inaccurate late payments, charge-offs, and unauthorized inquiries are fully investigated, corrected, or removed. The repeated misreporting has caused substantial financial hardship, emotional distress, and damage to my credit reputation. I reserve all rights to pursue legal remedies under the FCRA if these inaccuracies are not corrected promptly.

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