Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against multiple data furnishers and credit reporting agencies for inaccurate, misleading, and harmful information being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Consumer Financial Protection Act ( CFPA ). Despite previous disputes and attempts to resolve these issues, the following inaccurate items remain on my report, causing severe damage to my financial wellbeing, credit opportunities, and emotional state.

XXXX XXXX XXXX XXXX XXXX, GA XXXX WRONG ADDRESS Issue : This address is being incorrectly reported on my credit file, but I have never lived here, used it for financial applications, or authorized its connection to my personal profile. 
Law : Under FCRA 15 U.S.C 1681e ( b ), credit bureaus must assure maximum possible accuracy in the information they report. Associating me with an address Ive never resided at violates that responsibility.

Story : Due to this wrong address, I have experienced multiple identity verification failures. I was denied a rental application because the background check pulled this address and I could not verify it as mine. This has emotionally drained me and made me feel like a victim of identity confusion or even fraud. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX WRONG ADDRESS Issue : This address is also inaccurately reported. I have no association with this location, past or present. 
Law : FCRA 611 requires reinvestigation when a consumer disputes the accuracy of information. Despite multiple attempts to correct this, it is still being reported.

Story : I was declined a job offer that required a background check, as this address caused questions about my identity. It cost me real income and opportunity, adding stress, sleepless nights, and feelings of hopelessness. I now live in constant fear of what misinformation might appear next. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$11000.00} | Date Opened : XX/XX/XXXX Issue : This account reports late payments that I was never properly notified about. I had automatic payments set up, and any missed payment would have been an error by the system, not intentional on my part. 
Law : Under FCRA 1681s-2 ( a ), furnishers of information must report accurate data. They also must notify consumers of negative actions per FDCPA.

Story : I found out about this late payment only after being denied a car loan. I was embarrassed in front of my family during the dealership visit. I contacted XXXX XXXX, but they failed to give me any written breakdown of when and why the payment was late. This is unjust and humiliating. 
XXXX XXXX XXXX Acct Ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$27000.00} | Date Opened : XX/XX/XXXX Issue : This charge-off is reported without warning or documentation. I had lost my job and requested a hardship plan, but they didnt offer any resolution or payment relief. 
Law : FCRA 1681s-2 ( b ) mandates that furnishers conduct investigations when disputes arise and must not continue to report information without verifying its accuracy.

Story : I was under extreme stress from medical bills and financial hardship. I wrote to them explaining my situation and asked for assistance. Instead of helping, they pushed the account to charge-off and reported me negatively. I felt betrayed and punished for being honest about my situation. 
XXXX XXXX XXXX XXXX Acct Ending XXXXXXXX XXXX XXXX XXXX  * High Balance : {$18000.00} | Date Opened : XX/XX/XXXX Issue : Like the account above, this appears to be a duplicate entry. Both show late payments on the same balance, which misrepresents my financial behavior. 
Law : FCRA 1681e ( b ) consumer reporting agencies must maintain procedures to ensure maximum possible accuracy.

Story : Because of this inaccurate duplication, my credit score dropped drastically and I was subjected to a 22 % APR on a credit card. That caused my debt to increase rapidly, and I couldnt afford to keep up. Ive been emotionally broken, working double shifts just to pay minimums.

XXXX XXXX Acct Ending XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$200.00} | Date Opened : XX/XX/XXXXXXXX  Issue : This small balance was settled with XXXX, yet it is reported as a charge-off without any proof or closure notice. I was never contacted properly before charge-off. 
Law : Under FCRA 609 ( a ), consumers have the right to receive all information regarding adverse items. Under FDCPA, debt collectors or furnishers must give proper notice.

Story : It is heartbreaking that such a small account destroyed so much of my credit. I tried to rebuild after job loss, and this {$200.00} account became a major obstacle. I feel like the system punishes the poor harshly, while giving leniency to large institutions. 
Failure to correct and act upon these repeated and harmful inaccuracies may result in further legal escalation under FCRA 1681n and 1681o for willful and negligent non-compliance.

Thank you for your attention to this matter. I am seeking fair treatment, accurate reporting, and protection under the laws guaranteed to me as a consumer.

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