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 filing this complaint because my credit report contains multiple inaccurate, unverifiable, and harmful items. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to have only accurate and verifiable information reported. The following addresses, accounts, and inquiry must be investigated and deleted. 
XXXX XXXX XXXX XXXXXXXX, MI XXXX Wrong Address Issue : This address does not belong to me and is being falsely reported. 
Law : FCRA Section 607 ( b ) requires maximum possible accuracy, and Section 611 requires deletion of unverifiable data. 
Story : I have never lived at this location and it has no connection to me. Reporting this wrong address creates the risk of mixed files and identity confusion. It misrepresents my identity and unfairly ties me to accounts that are not mine, which is a violation of my rights and creates harm in my creditworthiness. 
XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : This is an incorrect address attached to my file. 
Law : FCRA Section 607 ( b ) and Section 611 demand accuracy and reinvestigation of unverifiable information.

Story : This address has no relation to me, yet it is being reported and tied to my profile. This creates a false impression and makes me vulnerable to being linked to accounts I do not own. Keeping this address on my file is harmful, misleading, and unlawful. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance {$950.00} Date Opened XX/XX/XXXX Charge Off * * Issue : Inaccurate charge off reporting. 
Law : FCRA Section 623 prohibits furnishers from reporting information they know or should know is inaccurate.

Story : This account is showing a charge off that does not reflect reality. No original documentation has been provided to validate this reporting. By keeping this unverified charge off, the bureau is violating my rights and harming my ability to access financial resources. 
XXXX XXXX XXXX High Balance {$420.00} Date Opened XX/XX/XXXX Late Payment * * Issue : Inaccurate late payment reporting. 
Law : FCRA Section 609 requires furnishers to provide documentation to support disputed data. 
Story : I have disputed this account and asked for verification, but no proper documents have been produced. Despite that, the bureau continues to report late payments that are harming my credit and painting me as financially irresponsible when I am not. 
XXXX XXXX XXXX XXXX High Balance {$17000.00} Date Opened XX/XX/XXXX Late Payment * * Issue : Reported late payments are unverifiable. 
Law : FCRA Section 607 ( b ) and Section 611 require accuracy and deletion if unverifiable.

Story : This account is showing derogatory information without proof. The bureau has not ensured maximum possible accuracy. This negligence misrepresents my financial history and damages my credit reputation. 
XXXX  XXXX XXXX XXXX High Balance {$3000.00} Date Opened XX/XX/XXXX Charge Off * * Issue : Charge off is inaccurately reported. 
Law : FCRA Section 623 prohibits knowingly furnishing false data.

Story : I have not been provided any original records or validation for this alleged charge off. By continuing to report this, the bureau is misrepresenting my credit profile and causing me harm in accessing credit. 
DPT EDXXXX XXXX High Balance {$21000.00} Date Opened XX/XX/XXXX Late Payment * * Issue : Late payments are misreported. 
Law : FCRA Section 607 ( b ) requires accuracy, Section 611 requires reinvestigation. 
Story : This account continues to show inaccurate late payments despite disputes. The bureau has failed to ensure proper reinvestigation and correction. This unlawful practice is damaging my financial stability and credit reputation. 
XXXX XXXX XXXX XXXX High Balance {$410.00} Date Opened XX/XX/XXXX Collection * * Issue : False collection reporting. 
Law : FCRA Section 609 requires verification, FDCPA Section 809 requires validation.

Story : This collection account is not mine. I have never received proof of this debt from the collector. Continuing to report this account creates false delinquency and damages my reputation. 
XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Collection * * Issue : Inaccurate and unverifiable collection. 
Law : FDCPA Section 809 and FCRA Section 611 require proper validation.

Story : This account was never validated, yet it is being reported as a collection. This is reckless, misleading, and causes harm by creating the appearance of financial irresponsibility. 
XXXX XXXX XXXX XXXXXXXX High Balance {$780.00} Date Opened XX/XX/XXXX Collection * * Issue : Collection account is unverifiable. 
Law : FCRA Section 607 ( b ) and FDCPA Section 809 apply. 
Story : I have requested validation for this account but none has been provided. Continuing to report it is unlawful, harmful, and misleading. This is damaging my financial reputation and denying me fair access to credit. 
XXXX XXXX, XXXX Inquiry on XX/XX/XXXX Issue : Unauthorized hard inquiry. 
Law : FCRA Section 604 requires permissible purpose for all inquiries. 
Story : I did not authorize this company to pull my credit. This inquiry was made without my consent and lowered my score. It violates federal law and should be removed immediately. 
Closing Statement Each of these items is inaccurate, unverifiable, and unlawful. They are damaging my financial reputation, lowering my score, and violating my rights under the FCRA and FDCPA. I am requesting immediate reinvestigation and permanent deletion of each disputed item. 

Sincerely, XXXX XXXX XXXX XXXX

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