Consumer complaint received 2025-08-02 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:
Dear Consumer Financial Protection Bureau, I am submitting this complaint because inaccurate and harmful information continues to appear on my credit report despite my efforts to dispute it directly with the credit reporting agencies. This is my second attempt to resolve these issues, and they remain uncorrected. The ongoing reporting of false addresses, unauthorized inquiries, and inaccurate late payments is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
Below is a breakdown of the specific items I am disputing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have never lived at this address and have no association with it whatsoever Law : FCRA 1681e ( b ), which mandates credit reporting agencies to maintain maximum possible accuracy, and FCRA 1681c regarding the exclusion of inaccurate or obsolete information Story : This address appeared on my report without my knowledge or consent. I suspect it may be the result of file merging or identity confusion. Because of this false address, Ive experienced rejections for rental applications and been subjected to questions regarding residency fraud. I never signed a lease or had utility bills tied to this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Completely unrelated to me ; Ive never visited, lived in, or communicated from this location Law : FCRA 1681n allows for damages against entities that willfully fail to comply with the law Story : This address might have been reported due to another individual with a similar name. I fear identity theft or file confusion. It has caused unnecessary friction in background verifications and triggered fraud alerts in credit application processes XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$490.00} Late Payment Issue : Late payment inaccurately reported despite consistent effort on my part Law : FCRA 1681s-2 ( a ) requires furnishers to report only accurate information. FCRA 623 prohibits knowingly reporting false data Story : I made timely payments during a difficult financial time, but due to a system error or internal misapplication, a late remark appeared. I was never formally notified. This mark has led to credit card denials and increased insurance rates XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$520.00} Late Payment Issue : The reported late status is not consistent with my records Law : FCRA 611 requires the reinvestigation of disputed entries and removal if unverifiable Story : I enrolled in autopay and theres no reasonable basis for this negative remark. Ive lost job opportunities because of this misreported entry on background checks. I demand full verification, including billing and payment records, or full removal of the derogatory remarks XXXX XXXX XXXX Inquiry Dated : XX/XX/XXXX Issue : Unauthorized or duplicate inquiry Law : FCRA 605B gives me the right to block fraudulent information Story : I did not authorize this credit check. I reached out to XXXX XXXX and received no explanation or documentation. As this inquiry is unverifiable, I demand its removal to protect my score and integrity Requested Resolution : Immediate investigation into these inaccuracies Permanent deletion of all incorrect addresses Deletion or correction of the disputed account information unless fully verified with documentation Deletion of all unauthorized or unverified hard inquiries Sanctions or enforcement action against parties found to be in willful noncompliance I am attaching my detailed dispute letter and identification to support this complaint. Thank you for your assistance in holding the data furnishers and credit bureaus accountable.

Company response to consumer: Closed with explanation