Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint due to multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ), as they relate to my consumer credit report. I have found that my credit reports contain inaccurate personal information, unverified charge-offs and collections, and these errors are seriously damaging my financial and personal wellbeing.

1. Inaccurate Personal Information ( FCRA 602, 609 ) The following addresses listed on my credit report are incorrect. I have never resided at any of these locations, and their presence XXXX suggest identity confusion or file mixing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furnishing or maintaining false personal identifying information is a violation of FCRA 609 ( a ) ( 1 ) and 602 ( a ), which guarantee consumers the right to accurate and fair credit reporting.

2. Unverified and Potentially Inaccurate Accounts ( FCRA 611, 623 ; FDCPA 809 ) The following accounts are being reported on my credit file, yet no sufficient documentation or verification has been provided when requested. I have reason to believe these are inaccurate or unverifiable, and their continued presence violates my rights under the FCRA : XXXX XXXX ( XXXX ) Open Date : XX/XX/XXXX Charge-Off Balance : {$12000.00} XXXX XXXX XXXX XXXX ) Open Date : XXXX XXXX, XXXX Charge-Off Balance : {$8500.00} XXXX ( XXXX ) Open Date : XX/XX/XXXX Charge-Off Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX ) Open Date : XX/XX/XXXX Charge-Off Balance : {$900.00} XXXX  ( XXXX ) Open Date : XX/XX/XXXX Collection Balance : {$1100.00} Despite submitting disputes, I have not received validation of the debts or documentation proving the accounts are accurate and belong to me. This violates : FCRA 611 ( a ) Right to dispute inaccurate information FCRA 623 ( a ) ( 1 ) Duty of furnishers to report accurately FDCPA 809 ( a ) Right to validation of debts ( for collections ) If these accounts were sold or transferred, I request full chain-of-title documentation to prove their legal status and ownership.

3. Emotional and Financial Harm The presence of these erroneous addresses and unverifiable accounts has : Lowered my credit score Led to credit denials Increased interest rates Caused emotional stress and mental hardship Cost me time and money in attempting to resolve the issue These agencies are failing their duty of care and legal obligation to maintain maximum possible accuracy as required under FCRA 607 ( b ).

Requested Resolution : Immediately delete all the incorrect addresses listed above from my credit report.

Conduct a full reinvestigation of the listed accounts and remove any item that can not be 100 % verified with documentation. 

Provide written documentation validating the accuracy and ownership of each account. 

If no proper verification exists, remove the accounts in full under FCRA 611 ( a ) ( 5 ) ( A ).

Investigate whether these credit reporting practices constitute willful noncompliance under FCRA 616 & 617.

Applicable Laws : FCRA 602 ( a ) Fair and accurate credit reporting required FCRA 609 ( a ) ( 1 ) Right to access and know what is be
ing reported FCRA 611 ( a ) Right to dispute inaccurate items and demand reinvestigation FCRA 623 ( a ) Furnishers must provide complete and accurate information FDCPA 809 ( a ) Right to request debt validation from collectors FCRA 604 Permissible purpose for reporting and inquiries FCRA 607 ( b ) Duty of consumer reporting agencies to maintain accuracy I request CFPBs assistance in ensuring these issues are corrected and that all data furnishers are held accountable for any violations.

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