Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
Dear CFPB Officer, I am writing to formally lodge a complaint regarding several inaccurate, incomplete, and unverifiable items that continue to appear on my credit report, despite my previous attempts to resolve them directly with the credit bureaus and the data furnishers. These accounts are currently causing irreparable damage to my creditworthiness, and I believe their continued reporting constitutes multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Background and Hardship In XXXX and XXXX, I experienced a period of extreme financial hardship due to a combination of medical emergencies and job loss during the pandemic aftermath. I made every effort to maintain my obligations, but unfortunately, certain accounts fell behind. Since regaining financial stability, Ive been working diligently to repair my credit, including requesting verification and accuracy of reported accounts. However, the following entries remain incorrect, outdated, and in many cases, duplicated or unverifiable. Inaccurate, Unverifiable, and Disputed Accounts XXXX XXXX XXXX Account # XXXX Late payments reported despite being in forbearance at the time. XXXX XXXX  Account # XXXX Reports late payment inaccurately. No valid notice or verification received from the creditor. XXXX XXXX XXXX XXXX XXXX at XXXX XXXX ) Account # XXXX No lease agreement or signed contract presented. I dispute the debt entirely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX I do not recall opening or authorizing this account. No validation has been provided. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX Unverified debt. Original agreement and itemized billing statement never provided. XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX Service was disconnected, and final bill was paid in full. This is erroneous. XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX I was not made aware of this debt, and no bill or service record has been sent. XXXX Account # XXXX Charged-off account with a {$0.00} balance is inaccurate and misleadingXXXX XXXX Account XXXX XXXX & # XXXX Duplicate charge-off listings. This is a violation of FCRA Section 609 and 623. XXXX XXXX Account # XXXX XXXX account is paid, yet another is charged-off. These need to be clarified and corrected. XXXX XXXX Account # XXXX Account shows a charge-off with {$0.00} balance. No validation has been provided. XXXX XXXX Account # XXXX ( x2 entries ) Two accounts with overlapping dates and balances. This appears to be a duplicate or error. XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX Multiple charge-off entries tied to the same original obligation. No validation provided. XXXX XXXX Account # XXXX & # XXXX Duplicate charge-offs. No legal validation or itemization presented. XXXX XXXX Account # XXXX This account is years old and was settled. Continued reporting as a charge-off is inaccurate. Wrong Addresses Reported The following addresses do not belong to me and must be removed from my credit profile as they are incorrect and XXXX be tied to fraudulent activity or misattribution : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Hard Inquiry Disputes I have also noticed unauthorized or unrecognized hard inquiries on my report that were not initiated or approved by me, which may violate FCRA Section 604 : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Request for Immediate Action Under the Fair Credit Reporting Act ( FCRA ) Sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), I formally request : Full validation and documentation of each item listed above. Removal of unverifiable, inaccurate, and duplicate entries. Deletion of all wrong addresses and unauthorized inquiries. Investigation and disciplinary measures against furnishers violating FCRA compliance. Please find this letter as part of a formal complaint. I am requesting your immediate investigation into these matters and your assistance in compelling the credit reporting agencies and furnishers to comply with federal law. If no resolution is achieved within a reasonable time, I am prepared to escalate this with legal counsel and pursue formal action for damages. Thank you for your prompt attention.

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