Consumer complaint received 2025-10-16 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverifiable, and misleading entries being reported by various furnishers and credit reporting agencies ( Experian, XXXX, XXXX  ) on my credit report. These inaccuracies are seriously harming my financial reputation and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ).

I have repeatedly requested verification, documentation, and corrections from the credit bureaus and furnishers, but they have failed to comply with their legal obligations under FCRA Sections 602 ( A ), 607 ( B ), 609 ( A ), and 611 ( A ). Below is a list of the inaccurate items, the issues associated with each, and how they are violating my consumer rights.

WRONG ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS I have never lived at this address, nor have I ever authorized it to be linked with my credit profile. This is a clear violation under FCRA Section 609 ( a ) ( 1 ) ( A ), which requires credit bureaus to report only accurate and verifiable information. The presence of this false address exposes me to potential identity theft and misrepresentation. I am demanding that this address be deleted immediately and that you provide verification documentation ( rental agreements, utility bills, etc. ) if you believe otherwise. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS This address is also completely unrelated to me. I have never received mail, lived, or conducted any financial business from this location. Maintaining this false address violates FCRA Section 607 ( b ) regarding the duty of accuracy. Please provide proof linking me to this address or delete it from my file.

ACCOUNT DISPUTES XXXX XXXX XXXX XXXX  High Balance : {$1200.00} | Date Opened : XX/XX/XXXX Late Payment This account is being falsely reported as having late payments. I have never been late on any XXXX XXXX account, and this reporting has severely damaged my creditworthiness. According to FCRA Section 602 ( A ), inaccurate payment history reporting constitutes defamation and negligent misrepresentation of credit data. I demand correction of the payment history to reflect timely payments only, or complete deletion if verification can not be produced within 30 days. 
XXXX XXXX XXXX High Balance : {$12000.00} | Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account being charged off. There was no valid written notice or verification of default provided to me as required under FCRA Section 611 ( a ) and 15 U.S.C. 1681s-2 ( b ). If this account can not be substantiated with my signed agreement and payment history, it must be immediately deleted for violating federal credit reporting laws. 
XXXXXXXX XXXX XXXX XXXX  High Balance : {$17000.00} | Date Opened : XX/XX/XXXX Charge Off This account is inaccurately marked as charged off. I have no recollection of ever defaulting, and no official documentation was ever sent to notify me. Under FCRA 609 ( a ) ( 1 ), I am requesting a copy of the complete account verification including my original signed agreement and transaction records. If this can not be verified, delete it immediately. 
XXXX XXXXXXXX XXXX High Balance : {$830.00} | Date Opened : XX/XX/XXXX Late Payment The payment history reported is false and misleading. I never made any late payments to XXXX  or XXXX XXXX. Reporting such errors violates FCRA Section 607 ( B ) and 15 U.S.C. 1681e ( b ). Please correct this information to reflect an on-time payment record or remove it completely. 
XXXX XXXX XXXX  High Balance : {$92.00} | Date Opened : XX/XX/XXXX Late Payment This entry is false and unverifiable. I have no history of missing payments on this account. I demand proof of any alleged delinquency. Failure to verify under FCRA 611 ( a ) will result in immediate removal. 
XXXX XXXX XXXX XXXX  High Balance : {$3000.00} | Date Opened : XX/XX/XXXX Late Payment I dispute this account due to inaccurate late payment reporting. I have never missed or delayed any payment. Please verify with signed documentation ; otherwise, delete this false reporting. 
XXXXXXXX XXXX XXXX  High Balance : {$24000.00} | Date Opened : XX/XX/XXXX Late Payment This late payment notation is completely incorrect. I made all payments on time, and this error has damaged my credit score unjustly. Under FCRA 607 ( B ), you must ensure accuracy or delete unverified data. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$4700.00} | Date Opened : XX/XX/XXXX Collection I have no knowledge of any debt with this company. This appears to be a third-party collection that has never been verified or validated under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ). Unless full validation ( original contract, itemized statement, and chain of custody ) is provided, this collection must be removed immediately.

HARD INQUIRIES UNAUTHORIZED / INACCURATE XXXX XXXX ( XX/XX/XXXX ) I did not authorize or initiate any inquiry with this company. Under FCRA Section 604 ( a ) ( 2 ), consumer consent is required before any credit pull. 
XXXX XXXX ( XX/XX/XXXX ) No consent or authorization was given. Please remove immediately. 
XXXX  ( XX/XX/XXXX ) I never authorized this inquiry. 
XXXX ( XX/XX/XXXX ) Unapproved inquiry, please remove.

SUMMARY OF VIOLATIONS Reporting of wrong and unverifiable addresses violates FCRA 607 ( B ).

Reporting of inaccurate late payments and charge-offs without documentation violates FCRA 611 ( A ) and 602 ( A ).

Reporting collections without validation violates both FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 ( a ).

Conducting unauthorized hard inquiries violates FCRA 604 ( a ) ( 2 ).

Continued reporting after written dispute constitutes willful noncompliance under FCRA 616 & 617.

ACTION REQUESTED I request that the CFPB conduct a full investigation into the actions of the credit bureaus and furnishers listed above. These violations have caused me emotional distress, financial harm, and denial of credit opportunities.

I demand : 1. Immediate deletion or correction of all unverifiable, inaccurate, and unauthorized information.

2. Written proof of each furnishers verification procedures.

3. Confirmation from the credit bureaus once all corrections have been completed.

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