Consumer complaint received 2025-09-05 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 requesting a full reinvestigation of the following inaccurate, unverifiable, and misleading addresses, accounts, bankruptcy, and inquiries on my credit report. These entries violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX requiring maximum possible accuracy and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXX which prohibits reporting or attempting to collect unverified debts. Despite prior disputes, these items remain and continue to harm my creditworthiness. Each item is listed below with issue, law, and story XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : Not my address Law : FCRA 15 U.S.C. XXXX ( b ) requires maximum possible accuracy Story : Associating me with this address falsely links me to potential financial activity, misleads creditors, and negatively impacts my credit reputation. Must be corrected XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : Not associated with me Law : FCRA 15 U.S.C. XXXX ( b ) Story : Reporting this address links me to activity I have no connection with and harms my credit score. Immediate correction required XXXX XXXX XXXX XXXX  Date XXXX High Credit : {$20000.00} Charge Off Issue : Inaccurate charge-off Law : FCRA 15 U.S.C. XXXX ( b ) Story : Reporting this account as charged off without proper verification misrepresents my financial responsibility, exaggerates negative credit history, and must be removed XXXX  BANK XXXX Date Opened:XXXX High Credit : {$15000.00} Charge Off Issue : Unverified charge-off Law : FCRA 15 U.S.C. XXXX ( a ) ( XXXX ) Story : Reporting this as charged off without validation misleads creditors, harms my credit profile, and must be deleted XXXX XXXX XXXXXXXX XXXX Date OpenedXXXX High Credit : {$26000.00} Charge Off Issue : Inaccurate reporting Law : FCRA 15 U.S.C. XXXX ( b ) Story : This charge-off is unverified. Reporting it inaccurately exaggerates negative credit history and damages my financial reputation. Must be corrected XXXX  BANK XXXX Date OpenedXXXX High Credit : {$14000.00} Charge Off Issue : Duplicate or unverified charge-off Law : FCRA 15 U.S.C. XXXX Story : Reporting this account as charged off misrepresents my creditworthiness and must be removed XXXX BANK XXXX Date Opened:XXXX High Credit : {$15000.00} Charge Off Issue : Duplicate derogatory reporting Law : FCRA 15 U.S.C. XXXX Story : Listing this account multiple times exaggerates negative information and misleads creditors. Must be deleted XXXX CARD XXXX Date Opened:XXXX High Credit : {$5100.00} Charge Off Issue : Inaccurate charge-off Law : FCRA 15 U.S.C. XXXX ( b ) Story : Reporting without proper validation misrepresents my payment history and harms my credit score. Must be corrected XXXX XXXXXXXX Date Opened:XXXX High Credit : {$7200.00} Charge Off Issue : Inaccurate charge-off Law : FCRA 15 U.S.C. XXXX ( a ) ( XXXX ) Story : Reporting as charged off without validation exaggerates negative credit history. Must be corrected XXXX XXXX Bankruptcy Reference XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Bankruptcy inaccurately reported Law : FCRA 15 U.S.C. XXXXi Story : I dispute the accuracy of this bankruptcy reporting. If incorrect, it falsely portrays insolvency and harms my creditworthiness. Must be corrected or removed XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXXb Story : I did not authorize this inquiry. Must be removed XXXX XXXX  XX/XX/XXXX Inquiry Issue : Duplicate/unauthorized inquiry Law : FCRA 15 U.S.C. XXXXc Story : Duplicate inquiries exaggerate negative impact. Must be deleted XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXXb Story : Reporting without consent negatively impacts credit. Must be removed XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXXb Story : Reporting without consent misrepresents my credit profile. Must be removed XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXX Story : I never authorized this inquiry. Must be deleted XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXX Story : Reporting without consent negatively affects credit. Must be removed XXXX  XX/XX/XXXX Inquiry Issue : Duplicate unauthorized inquiry Law : FCRA XXXX XXXX. XXXX Story : Duplicate inquiries exaggerate negative impact. Must be deleted XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXX Story : I never authorized this inquiry. Must be removed XXXX XXXXXXXX BANK XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXXb Story : I did not authorize this inquiry. Must be removed XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXX Story : Reporting without authorization misrepresents my credit history. Must be deleted XXXXXXXX XXXX  XX/XX/XXXX Inquiry Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXXb Story : I never authorized this inquiry. Must be removed XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Issue : Unauthorized inquiry Law : FCRA 15 U.S.C. XXXXb Story : Reporting without consent misrepresents credit activity. Must be removed

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