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: PA

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. 
ADDRESS DISPUTE XXXX XXXX XXXX XXXX XXXX, PA XXXX ISSUE : This address is being inaccurately reported on my credit file. I have never lived at or used this address for any credit application or correspondence LAW : Pursuant to FCRA Section 611 and 607 ( b ), the credit bureau is required to maintain accurate and verifiable information. Reporting of unverified or inaccurate addresses violates this requirement STORY : This address does not belong to me and its presence on my file is creating confusion and contributing to mistaken identity. I have already disputed this in the first round, and it has not been corrected or removed. Continued reporting of this wrong address is negligent and misleading. I request immediate deletion of this inaccurate address from my credit file and demand written confirmation of the reinvestigation outcome ACCOUNT DISPUTE XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Late Payments XXXX XXXX ISSUE : The account is reporting late payments inaccurately and without full investigation or verification LAW : Under FCRA Section 611 and Section 609 ( a ) ( 1 ), I have the right to request an investigation and see the method of verification for any negative account. Failure to provide proper documentation violates my rights under FCRA STORY : I have no documented or verifiable notice from XXXX  XXXX XXXX showing these late payments with exact billing statements. Without proper validation, these late notations are unfair and damaging. This item was disputed previously, and no adequate resolution or reinvestigation was provided. This must be permanently removed or corrected immediately CONNECT LOAN SERVICING Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Late Payments ISSUE : Late payment history is being reported with inaccuracies and without proper substantiation LAW : FCRA Section 611 requires the bureau to reinvestigate previously disputed information thoroughly. Reporting unverified derogatory information violates my consumer rights under the law STORY : I have disputed this in a previous round and no verifiable documentation proving the delinquencies has been provided. These derogatory entries are continuing to cause harm to my creditworthiness. This is a second formal request for proper reinvestigation. Please delete or correct this tradeline if proper verification can not be produced XXXX  XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Charge Off XXXX XXXX  ISSUE : The charge-off reported is inaccurate and remains unverifiable after my prior dispute LAW : FCRA Section 609 ( a ) ( 1 ) gives me the right to request documentation that verifies the accuracy of any reported item. If you can not provide original account-level documentation, it must be removed STORY : XXXX  XXXX has not provided validation of this charge-off, nor was I ever sent a charge-off notice in compliance with FCRA or state consumer protection laws XXXX I disputed this account previously, and the bureau has failed to show any updated reinvestigation. You are now required by law to remove this item if no proper documentation is submitted to verify its accuracy INQUIRY DISPUTES XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ISSUE : This hard inquiry was unauthorized and obtained without permissible purpose LAW : Under FCRA Section 604 ( a ), a consumer reporting agency may furnish a report only with written permission or for a specific permissible purpose. Unauthorized access is a direct violation of this federal law STORY : I never gave written consent to XXXX XXXX XXXX to access my credit report. This inquiry was made without my authorization or awareness. This is a violation of my consumer privacy. I demand that this inquiry be deleted and a reinvestigation be conducted to verify the source and reason for this pull XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ISSUE : This hard inquiry is not tied to any application I initiated or authorized LAW : FCRA Section 604 ( a ) ( 3 ) mandates that credit inquiries require a permissible purpose. If none exists, the inquiry is unlawful and must be removed STORY : I did not apply for any product or service with XXXX XXXX XXXX  XXXX on the date of this inquiry or surrounding period. This unauthorized credit access violates my rights and affects my credit standing. Please investigate and remove this inquiry if no signed application can be provided as verification 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