Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding unresolved issues related to inaccurate credit reporting and debt collection practices that I have been experiencing. Despite multiple attempts to resolve these matters directly with the credit bureaus and the collection agency, XXXX, I have not received satisfactory responses or corrective actions.

1. Inaccurate Credit Reporting : There are several inaccuracies on my credit report that have not been rectified, despite my numerous disputes : Late Payments : I have never missed a payment with my XXXX  account, yet my credit report inaccurately reflects late payments. These entries should be removed. 
Incorrect Inquiries : There are inquiries from accounts that are not open under my name. I request that these inquiries be removed from my credit report. 
Outdated Addresses : I have submitted my correct address multiple times, but outdated addresses continue to appear on my credit report. I request that all incorrect addresses be removed. 
Charge-offs : All charge-offs listed on my report have been paid in full, yet they remain on my credit report. I request that these be removed in accordance with relevant regulations.

2. Failure to Provide Debt Verification : XXXX has been attempting to collect a debt from me, but I have repeatedly requested verification of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, I have not received any documentation from XXXX to substantiate their claims. I ask that XXXX provide the necessary verification or cease further collection attempts and remove any related entries from my credit report.

3. Failure of Credit Bureaus to Address Disputes : I have submitted multiple disputes to all three credit bureaus ( XXXX, Experian, and XXXX ) regarding these inaccuracies. However, my disputes have not been resolved, and the credit bureaus have failed to correct the erroneous information on my credit report. Despite sending certified mail with the necessary documentation, no action has been taken.

4. Data Breach Additionally, my credit information has been compromised, and I have received notifications indicating a potential data breach. However, I have not received confirmation that these alerts have been implemented.

5. Request for Action : Given the unresolved nature of these issues and the failure of both XXXX and the credit bureaus to address them, I am formally requesting your assistance in resolving this matter. I am requesting that you investigate my complaint and take appropriate action to ensure the correction of my credit report and the cessation of unauthorized debt collection practices.

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