Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
I am filing this complaint because my credit report contains several inaccurate and unverified items that have not been corrected despite my previous attempts to dispute them. These errors are damaging my credit and are in clear violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate these inaccuracies and take appropriate enforcement action. 

First, my credit report lists addresses that do not belong to me. These include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at or been associated with either of these addresses. These must be permanently removed from my credit file. 

Next, there are several accounts being falsely reported with late payments, even though I have always paid on time. These include : XXXX XXXX account ending in XXXX, opened XX/XX/XXXX with a balance of {$180000.00}. 

XXXX  XXXX account ending in XXXX, opened XX/XX/XXXX with a balance of {$360.00}. 

XXXX  XXXX account ending in XXXX, opened XX/XX/XXXX with a balance of {$930.00}. 

XXXX XXXX account ending in XXXX, opened XX/XX/XXXX with a balance of {$460.00}. 

All of these accounts are being inaccurately reported as having late payments. I have never missed or been late on any of them, and I am requesting that all late payment notations be corrected immediately. 

In addition, my report includes collection and charge-off accounts that I have no knowledge of or connection to. These include : XXXX XXXX account ending in XXXX, opened XX/XX/XXXX with a balance of {$460.00}. 

XXXX XXXX account ending in XXXX, opened XX/XX/XXXX with a balance of {$940.00}. 

XXXX XXXX account ending in XXXX, opened XX/XX/XXXX with a balance of {$150.00}. 

I have never opened or authorized these accounts. Since they can not be verified as belonging to me, they must be permanently deleted from my credit file. 

Furthermore, there are XXXX entries for XXXXXXXX account number XXXX, XXXX showing a high credit of {$2300.00} and the other {$3400.00}, both opened XX/XX/XXXX. Both entries are reporting late payments, which is false. I have never been late on this account, and both should be corrected to show an accurate, on-time payment history. 

There are also multiple unauthorized inquiries on my credit file that I did not approve. These include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX . I did not authorize these companies to access my credit report, and they must be removed immediately. 

These issues collectively represent violations of several sections of the Fair Credit Reporting Act, including : FCRA 602 ( a ) : Failure to ensure maximum possible accuracy.

FCRA 611 : Failure to conduct a reasonable reinvestigation after disputes.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known or believed to be inaccurate.

The false late payments, unverifiable collections, charge-offs, and unauthorized inquiries are causing serious harm to my creditworthiness and financial standing. I am requesting that the CFPB take immediate action to ensure compliance and that all credit reporting agencies and furnishers involved correct or remove the inaccurate information. 

Requested Actions : Remove all incorrect addresses from my credit report. 

Correct all accounts falsely showing late payments. 

Delete all collection and charge-off accounts that I have no knowledge of. 

Remove all unauthorized inquiries. 

Require proper verification from furnishers before reporting any information. 

Please conduct a full investigation into these matters and provide me with written confirmation once they have been resolved. Thank you for your assistance in protecting my consumer rights under federal law.

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