Consumer complaint received 2025-10-17 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 filing this formal complaint against the credit reporting agencies and furnishers for knowingly and negligently reporting false, inaccurate, and unverifiable information on my credit file. These violations directly contravene the Fair Credit Reporting Act ( FCRA ) Sections 602, 609, and 611, the Fair Credit Billing Act ( FCBA ), and CFPB consumer protections.

The following items are erroneous and must be investigated and permanently deleted as they do not belong to me, are unverifiable, or were reported in violation of federal law : Wrong Addresses ( Identity Mix-Up / Misinformation ) XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Address These addresses are not associated with me and their presence on my file constitutes identity confusion and inaccurate reporting. 

XXXX Accounts Reported in Error Achieve Personal Loans XXXX Opened XX/XX/XXXX {$20000.00} Charge Off XXXX  XXXX  XXXX XXXX XX/XX/XXXX {$15000.00} Charge Off XXXX  XXXX XXXX XXXX XX/XX/XXXX {$14000.00} Charge Off XXXX  XXXX  XXXX XXXX XX/XX/XXXX {$15000.00} Charge Off XXXX XXXX XXXX Opened XX/XX/XXXX {$5100.00} Charge Off XXXX XXXX Opened XX/XX/XXXX {$7200.00} Charge Off These accounts are inaccurate, unverifiable, and not lawfully validated. No original signed agreements, full account histories, or lawful proof of debt have been provided. Continuing to report them violates FCRA 609 and 611. 

Bankruptcy ( Erroneously Reported / Improper Public Record ) XXXX  XXXX Bankruptcy Reference XXXX XXXXXXXX XXXX Bankruptcy XXXX This bankruptcy reporting is highly suspect, improperly verified, and may be unlawfully sourced from XXXXXXXXXXXX  vendors in violation of FCRA 607. Unless the CRA can provide certified court documentation directly from the bankruptcy court, this must be deleted immediately. 

Unauthorized / Excessive Inquiries The following XXXX  inquiries were made without my authorization or permissible purpose, violating FCRA 604 : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these XXXX XXXX. They are damaging my credit standing and must be removed immediately. 

My Demands Under the FCRA ( 15 U.S.C. 1681 et seq. ), I demand the following actions : A complete and thorough investigation of each disputed item. 

Permanent deletion of all inaccurate, unverifiable, and unauthorized items. 

Written confirmation of the results of your investigation, including the source of each item, within XXXX  days as mandated by FCRA 611 ( a ).

Full compliance with all federal consumer protection laws, including the FCRA, FCBA, and CFPB rules. 

Conclusion The continued reporting of these false and damaging items constitutes willful negligence and reckless disregard for federal law. If these inaccuracies are not corrected, I will pursue further legal remedies, including filing complaints with the FTC, state Attorney General, and considering civil action for damages under FCRA 616 and 617. 

I expect a prompt resolution and removal of all the above-referenced inaccuracies from my credit file.

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