Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
CFPB Complaint Inaccurate and Unverifiable Credit Reporting I am filing this complaint because multiple credit bureaus continue to report inaccurate, unverifiable, and outdated information on my consumer credit file despite my prior disputes. These errors are causing severe harm to my creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. My first dispute letter was sent and received, yet these items remain uncorrected. The following details the disputed information : XXXX XXXX XXXX, MI XXXX Wrong Address Issue : Incorrect and unverifiable residential listing. 
XXXXaw : FCRA 611 ( a ) Obligation to reinvestigate disputed information and delete unverifiable data. 
Story : You are damaging my creditworthiness by linking me to properties and debts that have no legitimate connection to me. This repeated inaccuracy after a prior dispute shows disregard for the reinvestigation requirement. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX Wrong Address Issue : This is not my address, nor has it ever been part of my verified residency history. 
Law : FCRA 605B Fraudulent information must be blocked promptly once disputed. 
Story : Including this location creates false geographic links in my credit profile that mislead lenders and insurers, causing me tangible financial harm. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$1100.00} Charge-Off Issue : This entry is inaccurate, duplicative, and unverifiable. 
Law : FCRA 611 ( a ) You must delete unverifiable information within 30 days.

Story : This is harming my score by double reporting and inflating derogatory marks. Despite my initial dispute, no valid documentation has been produced to confirm its legitimacy. 
Bankruptcy Reference # : XXXX Court : U.S. Bankruptcy Court Issue : This bankruptcy is reporting inaccurately and without proper verification from the court itself. Public record data must be obtained from original sources, not third-party databases. 
Law : FCRA 607 ( b ) Obligation to maintain maximum possible accuracy ; FTC Guidance on public record reporting. 
Story : I have never received direct confirmation from the court regarding this filing in my name. The continued presence of this unverifiable bankruptcy entry is severely damaging my credit profile and constitutes reckless reporting. 
Requested Resolution : I am requesting the CFPBs intervention to compel the credit bureaus to remove all the above incorrect addresses, unverifiable accounts, and false public records from my credit report. The bureaus have failed to correct these errors after my first dispute and are in ongoing violation of the FCRA. I also request investigation into the credit bureaus reinvestigation process, as their continued reporting of these disputed items suggests noncompliance and willful disregard of consumer protection laws.

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