Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the credit reporting agencies for failing to uphold their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My consumer rights have been violated through inaccurate reporting, negligent reinvestigation, and unauthorized inquiries that continue to damage my credit reputation and financial stability. The reported items below reflect serious compliance failures by data furnishers and the bureaus, which require immediate reinvestigation and correction under federal law. 

Address : XXXXXXXX XXXX XXXX XXXX XXXXL XXXX This address is being disputed as it is not accurate, verified, or associated with any legally binding credit relationship of mine. Under FCRA 1681c ( f ) and 1681e ( b ), you must maintain only accurate and complete identifying information. Reporting of this address without my authorization or consent violates federal accuracy standards. I demand deletion of this unverifiable address immediately. 

Account : XXXX - XXXX XXXX Date Opened : XXXX Owed : $ XXXX : Late Payment This account contains false late payment data that has never been verified by the furnisher with proper documentation. Under FCRA XXXX ( a ) ( XXXX ) ( A ), the bureau must reinvestigate disputed information with complete verification from the original furnisher. No such documentation has been produced in prior rounds, therefore this tradeline remains unverifiable and inaccurate. The continued reporting of unsubstantiated late payments harms my creditworthiness and violates XXXX ( b ) which requires maximum possible accuracy. Delete or correct immediately. 

Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Each of the inquiries listed above was made without my knowledge, authorization, or permissible purpose as defined under FCRA 1681b ( a ). Reporting or allowing these inquiries to remain without verification violates 1681b ( f ) which prohibits any user of consumer reports from obtaining information without legitimate intent. These inquiries constitute unauthorized access to my consumer file, directly impacting my credit standing. I demand full deletion of these inquiries unless you can provide complete documentation, including date, purpose, and signed authorization as required by federal law..

These inaccurate items collectively demonstrate a systemic failure in data accuracy and consumer protection enforcement. The bureaus and furnishers involved have neglected to maintain accuracy, verify disputed data, and ensure lawful access to my consumer report. Each violation continues to harm my financial reputation and creditworthiness. I am requesting the Consumer Financial Protection Bureau to investigate these matters thoroughly and compel the reporting agencies and furnishers to immediately remove all inaccurate, unverifiable, and unauthorized items from my file. The continued noncompliance with the FCRA and FDCPA warrants immediate regulatory review and enforcement action.

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