Consumer complaint received 2025-08-25 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 for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Law : FCRA 15 USC 1681i, 1681e ( b ) Issue : Inaccurate reporting of address history Story : This address has no relationship to me. I never occupied, rented, or owned this property. Leaving it on my report can cause misattributed debts or mixed files. It makes me vulnerable to errors and could lead to wrongful denial of credit. 
Instruction : Remove this unverifiable address from my file XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Law : FCRA 15 USC 1681i, 1681e ( b ) Issue : Misattributed address reported without my authorization Story : I have no history tied to this residence. Continuing to report it falsely associates me with individuals I do not know, creating confusion for lenders. It increases the chance of identity errors and makes it appear I lived at places where I never did. 
Instruction : Delete this wrong address immediately XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Law : FCRA 15 USC 1681i, 1681e ( b ) Issue : False and inaccurate personal identifier Story : This is not my residence and reporting it misrepresents my personal history. Every time this address remains in my file, it creates a misleading narrative about my identity and damages my ability to present an accurate credit profile. 
Instruction : Remove from my record per federal law ACCOUNTS XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Late Payment XXXX XXXX Law : FCRA 15 USC 1681s-2, 1681i Issue : Late payment reporting is inaccurate and not fully verified Story : I dispute the accuracy of the reported late payments. The furnisher has not produced verifiable documents or payment history to confirm these claims. Reporting this without proof unfairly damages my payment history and creditworthiness. 
Instruction : Remove this accounts negative information immediately XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$21000.00} Late Payment XXXX XXXX  Law : FCRA 15 USC 1681s-2, 1681i Issue : Inaccurate late payment entry Story : I was never provided with any records proving the alleged delinquency. No original agreements or full accounting statements were shown. Without verifiable documentation, reporting this account violates my rights and harms my financial reputation. 
Instruction : Delete or correct this account immediately XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Late Payment XXXX XXXX Law : FCRA 15 USC 1681s-2, 1681i Issue : Late payment can not be substantiated especially with a {$0.00} balance Story : Reporting late payments on an account that has a {$0.00} balance is contradictory and proves an error in reporting. This shows that the bureau is carrying false information which negatively impacts my creditworthiness. 
Instruction : Remove this negative reporting XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Chargeoff XXXX XXXX Law : FCRA 15 USC 1681s-2, 1681i Issue : Reported as a chargeoff without proper verification Story : I have requested validation but have not been provided with original agreements or signed documents confirming this debt. Continuing to report a chargeoff without proof violates federal law and damages my credit profile. 
Instruction : Delete this chargeoff XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$440.00} Chargeoff XXXX  XXXX Law : FCRA 15 USC 1681s-2, 1681i Issue : Chargeoff entry is inaccurate and unverifiable Story : I requested validation several times but have never been shown original documents confirming the alleged debt. This account is unverifiable, and its continued reporting is harming my credit unfairly. 
Instruction : Delete this chargeoff account INQUIRIES XXXX XXXX XXXX XX/XX/XXXXXXXX  Inquiry Law : FCRA 15 USC 1681b, 1681c Issue : Unauthorized inquiry without permissible purpose Story : I never gave consent or applied for credit through this company. This inquiry was placed without my authorization and is damaging my credit score. Allowing unauthorized parties access to my credit file violates my privacy and rights under the FCRA. 
Instruction : Remove this unauthorized inquiry immediately I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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