Consumer complaint received 2025-10-24 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 Sir or Madam, This letter serves as my formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ) 609 and 611. I recently obtained a copy of my credit report and discovered multiple inaccurate, unverifiable, and outdated items being reported. These errors are severely damaging my credit reputation and causing undue hardship. I am requesting your bureau to conduct a full reinvestigation, validate the information with the data furnishers, and permanently delete or correct all unverifiable or inaccurate entries immediately. 
The following items are in dispute : XXXX XXXXXXXX XXXX XXXX SC, XXXX WRONG ADDRESS This address does not belong to me and has never been associated with my residence or employment. I have never lived or conducted any personal or financial activity at this location. Reporting a wrong address on my credit file is a serious FCRA violation and creates confusion about my true identity. I demand that this address be removed from my credit profile immediately as it is factually incorrect and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX WRONG ADDRESS This is another incorrect and unrelated address reported under my name. I have no personal, financial, or legal connection to this address. Such misreporting misrepresents my identity and can lead to mistaken association with accounts or activities that do not belong to me. I request its deletion immediately in accordance with FCRA 611 ( a ) ( 1 ) ( A ). 
XXXXXXXX XXXX XXXX XXXXXXXX CHARGE OFF ( Opened : XX/XX/XXXX | High Credit : {$0.00} ) This account is being falsely reported as charged off. I have no recollection or record of ever opening or maintaining any account with XXXXXXXX XXXX. The report lists a high credit of {$0.00}, which itself proves the inaccuracy and unverifiable nature of the data. No creditor can charge off an account with a XXXX balance or nonexistent credit limit. Under FCRA 609 ( a ) ( 1 ) ( A ), I demand full validation including the signed original contract, complete payment history, and charge-off documentation. If this can not be provided, this account must be immediately deleted from all credit reporting agencies as unverified and inaccurate. 
XXXX INQUIRIES ( XX/XX/XXXX ) I dispute these hard inquiries because I never granted authorization or consent for these companies to access my credit report. Unauthorized credit inquiries violate FCRA 604 ( a ) ( 2 ) which requires a permissible purpose for every credit pull. These inquiries were done without any legitimate application or my written approval. I request that all the above unauthorized inquiries be removed immediately to prevent further damage to my credit standing. 
These items are inaccurate, unverifiable, and violate my rights under federal law. I am requesting that you : 1. Conduct a full reinvestigation into each item listed. 
2. Provide me with the name, address, and documentation from each creditor verifying the reported information. 
3. Delete or correct all unverifiable or inaccurate data within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ). 
If your investigation confirms that these entries are unverifiable, I expect their immediate removal and an updated copy of my credit report reflecting the corrections. Failure to comply may result in legal action under FCRA 616 and 617 for negligent or willful noncompliance. 
Thank you for your prompt attention to this matter. I expect written confirmation of your actions within 30 days as required 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