Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX, GA XXXX Issue : This is an incorrect address that is falsely attached to my credit profile and identity Law Issue : FCRA 602 ( a ), 607 ( b ) Reporting inaccurate identifying information is a violation of your duty to ensure maximum possible accuracy Story : I have never lived at or been associated with this address. Continued reporting of this false address XXXX lead to mixed file errors, inaccurate account links, or fraud. I demand immediate deletion of this address from my report CHARGE-OFF ACCOUNT XXXX  XXXX * High Balance : {$160000.00} Date Opened : XX/XX/XXXX * * Issue : This account is reporting as charged-off without providing verification or supporting documentation Law Issue : FCRA 611 ( a ), 609 ( a ) ( 1 ) You must provide full validation from the original creditor or remove the account Story : I previously disputed this item and received no proof of debt, no payment history, no signed agreements or loan terms. This unverified negative account is severely damaging my credit report and must be deleted immediately BANKRUPTCY PUBLIC RECORD XXXX XXXX Bankruptcy Reference # XXXX Court : U.S. Bankruptcy Court Issue : This bankruptcy record is being reported without direct court-verified documentation Law Issue : FCRA 607 and 611 Public records must be verified directly with the court, not with third-party vendors Story : You have not provided any certified records from the bankruptcy court proving this was filed under my identity. Third-party data from XXXX or XXXX does not satisfy FCRA requirements XXXX If it can not be verified with the court directly, this record must be removed UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry was made without my permission or a valid credit application Law Issue : FCRA 604 All credit pulls require written consumer consent and permissible purpose Story : I never applied for credit with this institution. I did not authorize this inquiry and have no relationship with them. This inquiry must be removed UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Issue : No application submitted, no authorization given Law Issue : FCRA 604 Permissible purpose is required for all hard inquiries Story : I have no business relationship with this dealership. I never consented to this inquiry, and it must be deleted UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX  Issue : Inquiry was made without any credit request or authorization Law Issue : FCRA 604 Inquiries without permissible purpose are a violation Story : I did not apply for credit with Ally Financial or permit any credit check. This inquiry is damaging and must be removed UNAUTHORIZED INQUIRY CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I never authorized this credit check Law Issue : FCRA 604 ( a ) ( 3 ) Must have a valid application or consent Story : I have not applied for credit with XXXX XXXX XXXX This inquiry was unauthorized and must be removed UNAUTHORIZED INQUIRY REPRISE XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry conducted without any application or authorization Law Issue : FCRA 604 All inquiries must be tied to a specific credit transaction Story : I have never contacted or worked with this lender. I demand the removal of this inquiry from my credit file UNAUTHORIZED INQUIRXXXX XXXX XXXX XXXX XXXX Issue : Unapproved inquiry with no permissible purpose Law Issue : FCRA 604 Hard inquiries must be authorized Story : I have never had any dealings with XXXX. I did not consent to this credit access. Please remove this immediately I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

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