Consumer complaint received 2025-08-01 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:
To CFPB, I am filing this formal complaint due to multiple incorrect and damaging entries on my credit report, including inaccurate addresses, charge-offs, and late payments that are severely affecting my creditworthiness and violating my consumer rights under federal law. I am requesting that these items be fully investigated, and all unverifiable or inaccurate data be permanently removed from my credit file. Below are the details of the disputes : WRONG ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX Issue : This is a duplicate of a previous address already disputed Law : FCRA 1681i ( a ) ( 5 ) ( A ) requires removal of unverifiable data upon reinvestigation Story : I do not know why this slight variation of the previously disputed address is still present. I never lived there, and this is severely hurting my credibility and personal background checks. My credit file is being polluted with wrong identifiers, which is a violation of my consumer rights. I demand this be removed with documentation of reinvestigation. 
WRONG ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX Issue : I have never been associated with this address Law : FCRA 1681e ( b ) and 1681i ( a ) enforce the requirement for accurate and verified personal data Story : This address is also completely wrong. I have faced credit denials because systems can't verify my real residence. I've been flagged for potential fraud because of these conflicting addresses. Reporting incorrect personal data is harmful and dangerous. I need this removed immediately, along with all other incorrect addresses. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Status : Chargeoff * * Issue : This account is incorrectly listed as a charge-off Law : FCRA 1681s-2, FDCPA 807 ( 8 ), 1692e prohibits inaccurate and deceptive representations Story : I had made arrangements with XXXX  XXXX and believed this account was being handled. I was never formally notified of the charge-off. Now I see this negative remark with a {$0.00} balance, which misleads lenders into thinking I defaulted with no resolution. Additionally, this may be duplicating in other parts of my credit file. I demand proof of original charge-off documents or immediate deletion. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Chargeoff * * Issue : This charge-off was settled but still reporting inaccurately Law : FCRA 1681i, 1681s-2, and FDCPA 807 require accurate account resolution reporting Story : I paid this account through a negotiated settlement, yet its still reported as a full charge-off. Thats false and damaging. This is misleading and harmful to my score and reputation. There is no remaining balance due. You are violating the law by reporting this as if it's unpaid. This must be corrected or deleted immediately. 
This continued inaccurate reporting has caused emotional distress, loan rejections, and job opportunity denials. I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I request the CFPB to conduct a full investigation and ensure these violations are corrected immediately. If the information can not be verified with legally compliant documentation, it must be permanently deleted from my credit report. 
I demand a written resolution and confirmation of actions taken in response to this complaint.

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