Consumer complaint received 2025-07-30 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:
I am submitting this complaint to formally report multiple inaccurate, incomplete, and unverified items that continue to be reported on my credit report despite my previous efforts to dispute and resolve them directly with the credit reporting agencies. These inaccurate entries are damaging my creditworthiness, affecting my financial opportunities, and causing me emotional XXXX. This is my second time raising these issues, and my initial disputes remain unresolved. I have not submitted this matter to the Federal Trade Commission ( FTC ) yet, but I intend to do so if this complaint is not resolved promptly. 
XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX Wrong Address This address is being falsely reported under my credit profile. I have never resided, worked, or had any association with this location. Reporting inaccurate addresses creates a severe risk of mistaken identity, fraud, and misattribution of accounts. 
Issue : Wrong personal identifying information Law Violated : FCRA 1681e ( b ) Failure to maintain accurate information Story : This address may have been added due to a mixed file or data entry error. I have faced issues of mismerged accounts and identity confusion because of addresses like this being reported inaccurately. It has caused severe XXXX  and difficulty in verifying my identity for legitimate credit applications. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$0.00} Late Payment * * This mortgage account is inaccurately reporting late payment ( XXXX ) despite the account balance being {$0.00} and having no delinquency at the time of closure. 
Issue : Inaccurate payment history Law Violated : FCRA 1681s-2 ( a ) Furnishers must provide accurate information Story : I made all payments in a timely fashion, and the loan was either paid off or closed in good standing. Reporting it as late has significantly dropped my credit score and is misleading future lenders about my financial habits. I have contacted XXXX about this, and they failed to provide any verification of late payment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | XXXX : {$1300.00} Collection * * This collection account is reported inaccurately. I was never notified properly of this alleged debt, and I dispute its validity entirely. I was not given a chance to validate this debt or resolve the matter directly with the original creditor.

Issue : Collection account without proper validation and notice Law Violated : FCRA 1681b Permissible purpose requirements FDCPA 809 ( 15 U.S. Code 1692g ) Validation of debts Story : I have never received any documentation regarding this collection, and no effort was made to notify me. The sudden appearance of this collection on my credit report without due process is unlawful and unjust. I have the right to be informed and to dispute the debt before it is reported publicly. This account may also be the result of identity theft or billing error.

Each of these accounts has been previously disputed with the credit reporting agencies, but they continue to remain unresolved and inaccurately reported. I have not received proper responses or investigation results from the CRAs. This ongoing reporting of inaccurate and unverified information violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and has caused me emotional XXXX, financial loss, and reputational damage.

I am requesting the CFPB to conduct a full investigation into these inaccuracies and ensure that these accounts and the false address are either corrected or permanently removed from my credit profile. I am also requesting that you instruct the credit bureaus and furnishers to provide documentation verifying the validity of these accounts and their reporting accuracy. 
Thank you for your time and attention to this matter.

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