Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding inaccurate, incomplete, and potentially unlawful information being reported on my consumer credit file. Despite my efforts to resolve these errors directly with the furnishers and credit bureaus, the accounts listed below continue to reflect inaccurate or unverifiable data that is damaging my credit profile. These accounts contain reporting violations under multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. I am requesting that the Consumer Financial Protection Bureau investigate these matters and take appropriate action. I am also demanding that all accounts listed below be fully validated and investigated or removed if such validation can not be provided Wrong Address Address : XXXX XXXX XXXX XXXX, TN XXXX Issue : These addresses are inaccurately linked to my credit profile. I have never resided at either address, nor do I have any personal or financial ties to them. Including false addresses puts my identity at risk and violates FCRA 604, 607 ( b ), which mandates accurate and verifiable information.

Law : Under FCRA 609 ( a ) ( 1 ), I request full documentation showing how and when these addresses were added. If you can not verify with signed proof, they must be immediately removed. 
Story : I am a victim of possible identity confusion or data merging. I have suffered emotional stress due to lenders questioning my residency history. My rental and credit applications have been impacted because of these false addresses. 
Account : XXXX XXXX XXXX  Account # XXXX XXXX XXXX High Balance : {$60.00} Opened : XX/XX/XXXX XXXX XXXX Issue : This account shows a late payment, which is inaccurate. I have always made timely payments or have no recollection of being late. 
Law : Under FCRA 611 ( a ) and FCRA 607 ( b ), any negative information must be accurate and verifiable. I request payment records and your investigation file.

Story : A {$60.00} account causing derogatory status has disproportionately harmed my credit. I reached out to XXXX, and they had no valid proof of delinquency. This item continues to lower my score and affect my financial standing. Please delete or correct immediately. 
Account : XXXX XXXX XXXX XXXX Account # XXXX * High Balance : {$750.00} Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : This account is listed as Charged Off, but I was not properly notified of this charge-off nor was I given any opportunity to cure the alleged default.

Law : Under FDCPA 807 ( 8 ) and FCRA 623 ( b ), creditors must provide accurate reporting and proper communication before a charge-off.

Story : This account has become a permanent stain on my credit despite efforts to resolve the issue. I dispute this account in full and request that you verify the charge-off status or remove it. 
Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX High Balance : {$2000.00} Opened : XX/XX/XXXX XXXX XXXX Issue : A late payment is inaccurately reported. There was no written notice or billing issue brought to my attention during the period of delinquency. 
Law : As per FCRA 611 and FCRA 609 ( a ) ( 1 ), furnishers must provide clear, verifiable evidence of late payment.

Story : I have faced serious consequences due to this false entry, including loan rejections and interest hikes. No documents were ever presented to me regarding the alleged delinquency. I demand this error be rectified or removed. 
Account : XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$360.00} Opened : XX/XX/XXXX XXXX XXXX Issue : This utility account was Charged Off without accurate billing information or due process. I dispute this as invalid. 
Law : Under FCRA 607 ( b ) and FDCPA 809 ( b ), all debts must be verified and properly communicated.

Story : I moved out of that property prior to this charge. The utility company failed to close the account properly and never sent a final bill to my valid address. I should not be held liable. This unfair charge is causing harm to my credit profile. 
Collection : XXXX XXXX XXXX Account # XXXX High Balance : {$62.00} Opened : XX/XX/XXXX XXXX XXXX Issue : This collection account is listed with a future open date, which is factually impossible and indicates severe reporting inaccuracy. 
Law : Under FCRA 605 ( a ), credit reporting must reflect accurate dates. A future open date proves that this is either a system error or a case of mistaken identity. 
Story : I have never received communication from XXXX XXXX  XXXX, and this account appears suddenly without context. I believe this is a clerical error or identity confusion. I demand deletion of this unverifiable and inaccurate item. 

Bankruptcy : Reference # XXXX Court : U.S. Bankruptcy XXXX Issue : This bankruptcy is misreported or appears without proper reference to the correct filing date and chapter. I am unsure of its connection to me.

Law : Under U.S. Bankruptcy Code 524 and FCRA 605 ( a ) ( 1 ), reporting must be accurate and reflect correct case status, chapter filed, and discharge details. 
Story : If this bankruptcy is not mine, it must be immediately removed. If it is mine, I request accurate court records including discharge status and dates. In either case, the current reporting is vague and damaging. 

I respectfully request the CFPB to enforce compliance and hold these furnishers and credit reporting agencies accountable under the law. I also reserve my rights under FCRA Section 616 and 617 to seek damages for willful or negligent noncompliance. 
Thank you for your assistance in this matter.

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