Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unauthorized items reported on my credit report. My previous CFPB complaint remains open, and I have not yet filed a complaint with the Federal Trade Commission ( FTC ). This letter formally disputes all inaccurate reporting and unauthorized inquiries and requests immediate correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires all consumer credit information to be accurate, complete, and verifiable. 
Wrong Addresses Reported : XXXX XXXX  XXXX, CA XXXX This address has never been associated with me. Its reporting has caused creditors and lenders to send sensitive financial notices to the wrong location, creating confusion and risk of identity misrepresentation. This is a violation of FCRA XXXX ( b ) which requires accurate reporting of identifying information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Reported without my consent or history of residence. This false reporting has caused delays and denials in my applications for legitimate financial services. It constitutes negligence on the part of the reporting agency under FCRA XXXX ( b ). 
Accounts with Disputed Reporting : XXXX XXXX XXXX Balance : {$290.00}, Date Opened : XX/XX/XXXX Reported as Late Payment. I made timely payments on this account, yet it is incorrectly marked as late. This has caused unnecessary stress, collection calls, and potential denial of credit for other legitimate purposes. According to FCRA XXXX, any disputed information must be reinvestigated and corrected if inaccurate. 
XXXX XXXX High Balance : {$950.00}, Date Opened : XX/XX/XXXX Reported Late Payment is false. The inaccurate record has already resulted in at least XXXX denial of credit and unnecessary collection attempts. FCRA XXXX ( a ) requires a prompt reinvestigation and correction of inaccurate information within 30 days. 
XXXX XXXX XXXX High Balance : {$320.00}, Date Opened : XX/XX/XXXX Reported as Late Payment. I have maintained accurate payment records, and this late payment is reported incorrectly. This misreporting has caused undue stress, multiple collection calls, and potential denial of credit for legitimate financial purposes. FCRA XXXX ( a ) requires a prompt investigation of any disputed information, and XXXX ( b ) requires maximum possible accuracy in reporting. 
Hard Inquiries : XXXX CREDIT BUREAU XX/XX/XXXX Unauthorized inquiry. I never consented to this inquiry, which is a violation of FCRA regulations. 
XXXX OF XXXX XX/XX/XXXX Unauthorized inquiry. There was no request or permission from me for this hard pull. 
XXXX OF XXXX XX/XX/XXXX Unauthorized inquiry. FCRA XXXX ( a ) prohibits reporting without consent. 
XXXX XXXX AUTO FIN XX/XX/XXXX Unauthorized inquiry. This hard inquiry was not authorized by me and must be deleted to protect my rights and XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Reporting without consent is a violation of FCRA XXXX ( a ). 
XXXX XXXX C/O XXXX  XX/XX/XXXX Unauthorized inquiry. FCRA requires that only authorized inquiries appear on a consumer report. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry. This item must be removed immediately as it was not initiated or authorized by me. 
Narrative & Supporting Context : The repeated inaccurate reporting of late payments, chargeoffs, and unauthorized inquiries has caused significant financial harm, stress, and reputational damage. Despite maintaining detailed payment and account records, these errors persist due to negligence or lack of proper verification by the credit reporting agencies. Under FCRA XXXX ( b ), agencies must follow reasonable procedures to ensure maximum possible accuracy. Under FCRA XXXX ( a ), agencies must promptly reinvestigate disputed information and correct inaccuracies. Unauthorized hard inquiries are prohibited under FCRA XXXX ( a ) and must be removed immediately to prevent further damage to my credit score.

I formally request that CFPB and the respective credit reporting agencies : Conduct a full reinvestigation of all disputed accounts and inquiries. 
Remove all inaccurately reported late payments and chargeoffs. 
Delete all unauthorized hard inquiries immediately. 
Continued reporting of false or unauthorized information may result in legal action under FCRA, including claims for actual and statutory damages, attorney fees, and costs. I demand written confirmation of receipt of this dispute, results of the reinvestigation, and confirmation of removal or correction of the inaccurate information. I expect prompt attention and completion of the investigation within the XXXX period mandated by FCRA XXXX ( a ).

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