Consumer complaint received 2025-10-03 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:
To Whom It May Concern, This is a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the following inaccurate, unverified, and unauthorized items on my credit report. These accounts and inquiries have caused serious harm to my creditworthiness and reputation. I am demanding full reinvestigation, correction, and deletion where proper validation can not be provided. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX Wrong Address This address does not belong to me. I never resided at or had any association with this property. The reporting of this address is a violation of FCRA XXXX ( b ), which requires accurate and current information. This must be deleted immediately as it falsely connects me to unknown activities. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address I have no connection to this address. By reporting it, the credit bureaus are creating a false identity trail. This constitutes inaccurate reporting under FCRA 602 ( A ), causing confusion and harm to my financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Wrong Address This residence is not mine. Associating me with this property is a clear breach of FCRA 607 ( b ). Such wrong addresses open the risk of fraud, misidentification, and identity theft, which is unlawful. 
XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00} Chargeoff I dispute this account as inaccurate and unverified. I have no knowledge of this charge-off account and I never received proper validation. Reporting a charge-off without proof violates FCRA 609 ( a ) and FDCPA 809 ( b ). This account has created unfair negative reporting against me and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Late Payment I dispute the late payment history reported here. I have never made late payments on this account. The servicer has reported false delinquency which directly violates FCRA 623 ( a ) ( 1 ) ( A ). I demand correction of this history to reflect accurate on-time payment reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Late Payment This account also has been falsely marked with late payments. I dispute this as I never defaulted or missed payments. Incorrect late payment status is misleading, harmful, and violates my rights under FCRA XXXX. I demand this be corrected to show accurate on-time payment history. 
XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX This charge-off account is inaccurate and unverified. Reporting a {$0.00} balance charge-off is contradictory and misleading, creating the appearance of financial misconduct where none exists. This is a violation of FCRA accuracy standards, and I demand its full removal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Late Payment The late payment status reported here is false. I have always maintained timely payments. This error is damaging my credit unfairly, and under FCRA 611, I request immediate reinvestigation and correction of this reporting to show accurate history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Late Payment * * This account has been wrongly reported with late payments. I dispute this information as I never made late payments on this account. Reporting false delinquency violates FCRA 623 ( a ) ( 1 ) ( A ). I demand full correction of this history to reflect accurate on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$730.00} Chargeoff * * I dispute this charge-off account as fraudulent and unverified. I have no knowledge of it, and no original agreement or contract has ever been provided. Reporting this as a charge-off without validation violates FCRA 609 ( a ) and FDCPA 809 ( b ). This account must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$1500.00} XXXX * * This charge-off account is inaccurate. I never authorized such debt, nor have I received validation of the balance owed. Under FCRA 611, any unverified or unverifiable debt must be deleted from my credit file. 
Inquiries Disputed : XXXX XXXX XX/XX/XXXX Duplicate inquiries on the same date by the same furnisher. This is excessive and unfair, creating unnecessary harm. I dispute and demand deletion. 
XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry is not authorized by me. It must be removed under FCRA XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Another unauthorized inquiry. No permissible purpose. I demand deletion. 
XXXX XXXX OF XXXX XX/XX/XXXX Unauthorized inquiry that I never approved. Violation of FCRA XXXX. 
XXXX XXXX & XXXX XX/XX/XXXX Unapproved hard inquiry. I request deletion. 
XXXX XX/XX/XXXX Unauthorized inquiry. Remove under FCRA XXXX. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry that harmed my credit profile. 
XXXX XXXX XXXX  XX/XX/XXXX Unauthorized inquiry, disputed. 
XXXX XXXX XXXXXX/XX/XXXX Unauthorized hard inquiry with no permissible purpose. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry reported incorrectly. 
XXXX XXXX  XX/XX/XXXX I did not authorize this inquiry. Remove immediately. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry, in violation of FCRA XXXX. 
These accounts and inquiries are inaccurate, unverified, and damaging. Under FCRA XXXX, I demand reinvestigation. If the furnishers can not provide original signed contracts, complete payment records, or permissible purpose documentation for inquiries, the items must be deleted immediately. 
If these issues are not resolved, I am prepared to pursue legal action under FCRA XXXX for willful noncompliance and XXXX for negligent noncompliance, as well as FDCPA violations for false and misleading collection reporting. 
I request that CFPB take immediate corrective action, order the removal/correction of these accounts and inquiries, and hold the furnishers accountable for these violations.

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