Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unverified, and falsely reported items appearing on my credit reports. I have attempted to dispute these items with the credit bureaus, but they have continued reporting them without providing proper verification as required under FCRA 602, 607 ( b ), 609, and 611.

These errors are causing me significant harm, and I am requesting the CFPBs urgent intervention.

1. WRONG ADDRESSES NOT MINE / NO ASSOCIATION The following addresses are not mine, I have no connection, and I have never lived at these locations : XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Wrong Address XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX Address These must be removed immediately from my credit profile because they are inaccurate and pose identity/security risks. 

2. LATE PAYMENTS REPORTING IS FALSE & INACCURATE The following accounts are reporting late payments that NEVER occurred.

I have never made any late payments, therefore these entries violate FCRA 607 ( b ) accuracy requirements : Midnight XXXX XXXX XXXX  High Balance {$190.00} DOO : XXXX XXXX XXXX XXXX XXXX High Balance {$740.00} DOO : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$1200.00} DOO : XXXX XXXX XXXX XXXXXXXX High Balance {$12000.00} DOO : XX/XX/XXXX I demand the complete removal of all false late payment history. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$14000.00} DOO : XX/XX/XXXX Under FCRA 611 & 609 ( a ) ( 1 ), furnishers must provide full validation including original signed contracts.

These companies failed to provide any verification, therefore they must be deleted.

4. COLLECTION ACCOUNTS NOT MINE / NO KNOWLEDGE These collection accounts do NOT belong to me.

I have no contract, no knowledge, and no authorization with them : XXXX XXXX XXXX XXXXXXXX XXXX  High Balance {$500.00} DOO : XX/XX/XXXX Absolute Resolutions XXXX High Balance {$5000.00} DOO : XX/XX/XXXX XXXX XXXX XXXX XXXX High Balance {$760.00} DOO : XX/XX/XXXX These must be deleted immediately for failure to validate and for inaccurate reporting. 

XXXX. HARD INQUIRIES NOT AUTHORIZED BY ME The following inquiries were NOT authorized by me : XXXX XX/XX/XXXX Global Lending Service XX/XX/XXXX XXXX Credit / XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FCRA, unauthorized inquiries constitute an impermissible pull and must be removed. 

REQUEST FOR CFPB ACTION I am requesting : Full investigation into each furnishers failure to verify information under FCRA.

Removal of all inaccurate addresses.

Removal of all false late payment information.

Deletion of all unverified charge-off and collection accounts.

Removal of unauthorized hard inquiries.

Enforcement ensuring bureaus comply with FCRA accuracy and verification laws.

These errors are causing severe credit damage and financial hardship.

Thank you for your timely attention and assistance.

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