Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
XXXX'I am submitting this formal complaint and dispute regarding multiple inaccurate, misleading, and damaging items on my credit report reported by various creditors and collection agencies These items violate the Fair Credit Reporting Act (FCRA 15 U.S.C  1681 et seq), Fair Debt Collection Practices Act (FDCPA 15 U.S.C  1692 et seq), and other applicable federal and state laws I demand an immediate investigation and correction of each inaccurate item\nIncorrect Addresses ReportedXXXX XXXX XXXX XXXX XXXX XXXX XXXX This address has never been associated with me Its reporting is misleading and exposes me to potential identity theft and credit fraud under FCRA 1681cStory: I have received letters and calls intended for someone else at this address Lenders and debt collectors have erroneously linked me to debts that are not mine This has caused repeated loan denials, unnecessary stress, and a persistent fear of identity theft I have been forced to spend hours contacting creditors, disputing debts, and monitoring my credit reports The repeated negligence shows reckless reporting practices that harm consumers\nAccount Disputes:XXXX XXXX XXXX XXXX Date Opened: XXXX  Balance: XXXX  Late Payment Reporting of this late payment is inaccurate I have records showing payments were made on time or disputed This reporting violates FCRA 1681s-2(b) and FDCPA 809Story: The reported late payment has caused my credit score to plummet by over XXXX  points, preventing me from refinancing my mortgage and securing reasonable interest rates This single incorrect entry has led to increased financial strain, emotional stress, and loss of potential savings Thousands of dollars have been lost due to increased interest rates and missed financial opportunities The negligent reporting demonstrates a failure to uphold federal standardsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection This duplicate entry is misleading and violates FCRA 1681cStory: Reporting the same account multiple times gives the false impression that I owe far more than I legally do This misrepresentation has resulted in multiple loan rejections and has significantly impacted my financial stability Each instance of duplicate reporting reflects negligent or willful violation of federal law and has caused real economic and emotional harm\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection This collection is inaccurate, unverified, and duplicates other accounts Reporting violates FCRA 1681i and 1681e(b)Story: I have no record of owing this debt and never received proper validation This collection has caused multiple loan denials and has artificially inflated my negative credit history Repeated reporting of unverified debts demonstrates negligent or willful violation of federal law and has created ongoing financial and emotional stress\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment This late payment is inaccurate Reporting a late payment on a $XXXX  balance violates FCRA 1681s-2(b)Story: This erroneous reporting has caused lenders to question my creditworthiness I have faced higher interest rates and difficulty obtaining financial services Despite timely payments, my credit score has been unfairly lowered This demonstrates reckless and negligent reporting practices\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off This charge off is inaccurate and unverified under FCRA 1681i and FDCPA 809Story: The reported charge off has negatively impacted my credit score and affected my ability to refinance existing loans I have been forced to spend time and resources verifying my payment history and disputing this incorrect entry The reporting agencys negligence is causing undue financial stress and emotional hardship\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off This charge off is incorrect and violates FCRA 1681s-2(b)Story: This misreported charge off has led to repeated credit denials and has damaged my financial credibility Despite providing evidence of payment or dispute, the item remains on my credit report The inaccurate reporting has resulted in lost opportunities and financial harm\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off I dispute this charge off as inaccurate and unverified under FCRA 1681iStory: This incorrect reporting has affected my ability to obtain personal and business loans My credit score has been unfairly reduced and I have faced increased interest rates on existing credit I have experienced significant stress and financial hardship due to negligent reporting practices\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off This charge off is reported in error and violates FCRA 1681s-2(b)Story: Reporting a $XXXX  charge off creates a false impression of delinquency This inaccurate reporting has caused credit denials and financial inconvenience I have spent extensive time disputing this error and providing proof of account status The continued presence of this error constitutes reckless and negligent reporting under federal law\nI have suffered substantial financial loss, emotional distress, and disruption due to these inaccurate reports My credit score has been unfairly lowered impacting my ability to secure loans, housing, and essential financial services I am requesting that CFPB immediately investigate and direct all involved credit bureaus and creditors to remove, correct, or verify each disputed item per federal law\nI reserve all rights to escalate this matter to federal court and seek damages for willful and negligent violations of FCRA and FDCPA including statutory damages, attorney fees, and all other remedies allowed by 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