Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against the credit reporting agencies and the following creditors/collectors for reporting inaccurate, unverified, and damaging information on my credit file. These items are harming my credit score, limiting my financial opportunities, and violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Addresses Disputed : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These addresses are not associated with me and appear to be fraudulent or the result of reporting errors. Their presence on my credit report has caused multiple application denials, stress, and confusion with lenders. Under FCRA Section 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. The continued reporting of these incorrect addresses is a direct violation of this requirement Account Disputes : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Chargeoff This account is reported as a chargeoff without proper verification or evidence of my liability. I have never received accurate statements, notices, or validation of this debt. Reporting this account as a chargeoff without verification is a violation of FCRA Section 1681i, which requires investigation of disputed information, and FDCPA Sections 807 & 809 regarding validation of debt. The presence of this account on my credit report is damaging my credit score and causing unwarranted financial stress XXXX XXXX  XXXX  Account # XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$29000.00} Chargeoff This chargeoff is being reported inaccurately. I dispute the validity and accuracy of this account because I have not been provided with any legal documentation or account statements validating the debt. The reporting of this unverified account is misleading and violates my rights under FCRA Section 1681s-2 ( b ) and FDCPA Section 809. It has caused increased interest rates and financial instability XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$63000.00} Repossession This repossession account is reported without sufficient evidence or proper validation. I dispute the balance, status, and history of this account. Reporting repossession inaccurately is a serious matter as it directly impacts my ability to obtain credit, housing, and financial services. Under FCRA Section 1681i, I am entitled to have unverifiable information removed. Under FDCPA, reporting unverified debt can be considered unlawful collection activity XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$39000.00} Late Payment This account is reported as having late payments that are incorrect. My records indicate timely payments, and the reporting of late payments is false. Continued reporting of inaccurate late payments violates FCRA Section 611 and FDCPA Section 808. This has directly resulted in denials for loans and higher insurance premiums XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$63000.00} Late Payment This account inaccurately reports late payments that never occurred. I dispute these entries and demand investigation. The false reporting is a violation of FCRA Section 1681i and FDCPA Section 807. The account has caused damage to my credit profile, including higher interest rates and denial of credit opportunities XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Collection This collection account is reported without proper verification or validation. I have never received legal documentation confirming this debt. Reporting unverified collections violates FCRA Sections 1681i & 1681s-2 ( b ) and FDCPA Sections 807 & 809. The presence of this collection account is severely affecting my financial reputation, credit score, and ability to secure loans or housing XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2200.00} Collection This collection account is reported without proper validation or legal documentation. I have never been provided with verification of this debt, statements, or evidence confirming my liability. Reporting this account without verification is a violation of FCRA Section 1681i and FDCPA Sections 807 & 809. The presence of this account has caused undue stress, lowered my credit score, and negatively impacted my ability to obtain loans and other financial services XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2200.00} Collection This account is being reported as a collection without proper substantiation or verification. I dispute the validity and accuracy of this account. Reporting unverified debt constitutes a violation of FCRA Sections 1681i & 1681s-2 ( b ) and FDCPA Sections 807 & 809. This false reporting is directly harming my credit profile, causing higher interest rates, and creating financial instability XXXX XXXX XXXX XX/XX/XXXX Inquiry I dispute this hard inquiry as it was not authorized by me. Under FCRA Section 604, a credit reporting agency may not report inquiries without proper consent. This unauthorized inquiry negatively impacts my credit score and is a violation of my consumer rights Complaint Summary : The continued reporting of these inaccurate and unverified accounts and the unauthorized inquiry represent clear violations of the FCRA and FDCPA. These violations are damaging my financial stability, creditworthiness, and quality of life. I request that the CFPB investigate these matters thoroughly and compel the furnishers and credit reporting agencies to correct or delete these items immediately. 
Requested Resolution : 1. Full investigation of the disputed accounts and inquiry.

2. Removal of any unverifiable or duplicate accounts.

3. Deletion of unauthorized inquiry.

4. Written confirmation of corrective action.

5. Assurance that such violations will not reoccur.

Thank you for your immediate attention to this matter. I trust that the CFPB will hold these entities accountable and protect my consumer rights under federal 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