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:
To the Consumer Financial Protection Bureau ( CFPB ) I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) because my consumer rights have been violated by credit reporting agencies and furnishers who are reporting inaccurate, unverifiable, and unauthorized information on my credit reports These violations involve incorrect addresses inaccurate account data and numerous hard inquiries that I did not authorize or permit I respectfully request a full investigation and enforcement action to ensure my file is corrected and the responsible parties are held accountable XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is incorrect and never associated with me Law : FCRA 1681e ( b ) failure to ensure maximum possible accuracy Story : I have never lived at or been associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is appearing on my credit report without my authorization or connection It is likely a result of file mixing or identity confusion This incorrect address has led to confusion and the potential attachment of false accounts to my profile causing unnecessary damage to my creditworthiness It violates my right to accurate and verifiable information and I request its immediate deletion XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$3300.00} XXXX XXXX Issue : Late payments reported inaccurately Law : FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ) Story : I was never made aware of any delinquency and I never received any formal notice regarding late payments This account was believed to be in good standing and auto-pay was enabled The late payment reporting came as a complete surprise and damaged my credit severely This is a violation of my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act and I demand either proof of default including dates and statements or full deletion of the late marks XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Credit : {$240.00} * * Issue : Unauthorized and inaccurate late payment reporting Law : FDCPA 809 ( a ) and FCRA 1681b Story : I have no recollection of opening this account with XXXX XXXX and no contract or billing history has been provided I believe this account was opened or reported in error The late payments are harming my score and were never communicated to me by mail or electronically I am requesting full validation and deletion if such information can not be produced within the FCRA-prescribed timeline XXXXXXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX High Credit : {$7800.00} XXXX XXXX Issue : Late payments reported during periods of forbearance or deferment Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Story : I had requested and been granted deferments or forbearance through official channels during the reported late payment periods These protections were not honored and the loan servicer failed to update the reporting status accurately resulting in wrongful late marks This error has cost me financing opportunities and is a direct violation of federal education loan reporting standards and the FCRA I am requesting correction or deletion of this inaccurate data XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Incorrect late payment reporting Law : FDCPA 807 ( 8 ) and FCRA 623 Story : I had automatic payments set up for this account and was never informed of any failed transaction or due balance The lender did not make any effort to reach out or confirm a missed payment yet reported me late without verifying the facts I consider this unfair treatment and inaccurate credit reporting I demand either supporting documents proving the delinquency or immediate deletion of negative data XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} * * Issue : Reported late without notice Law : FCRA 611 and FDCPA 808 Story : I had no idea this account was late and no alert or notification was provided I believe this was a system error or billing mistake and I was under the impression the payments were automated This is not just a credit reporting error but negligence that has deeply affected my financial profile I request proper verification or removal from my report CAP XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$25000.00} XXXX XXXX Issue : Inaccurate charge-off reporting Law : FCRA 623 and FDCPA 807 Story : This charge-off came without any warning letters or account statement showing a delinquent balance I believe there is either an internal error or identity confusion involved The reporting party failed to follow due process and has severely affected my credit profile unjustly This account must be removed unless it can be verified with full statements and legal notice documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$1000.00} XXXX XXXX Issue : False late payment reporting Law : FCRA 623 ( a ) ( 1 ) Story : My account was in good standing and I never missed a payment I was not notified of any late fees or status change This seems like a data entry or reporting error by the lender and I have not received any documentation to support the negative marks I request full correction or immediate deletion XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$6200.00} XXXX XXXX  Issue : Inaccurate late payment report Law : FCRA 623 ( a ) ( 1 ) Story : I dispute the late payment reported here as I was not aware of any delinquency and no communication was made to me regarding a past-due amount This is harmful and misleading and violates my rights to transparent and accurate credit reporting I demand validation or deletion Hard Inquiries ( Unauthorized/Excessive ) Law : FCRA 604 ( a ) ( 3 ) and 615 No permissible purpose or notice of adverse action Story : The following inquiries were either made without my consent or were pulled multiple times by the same entity without a resulting credit account They are abusive and harmful and violate my rights under FCRA No authorization or disclosure was given by me and I request immediate removal of each unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX Each of these inquiries must be verified for permissible purpose and authorization If the bureaus or furnishers can not prove that I authorized these with signed application or documented consent they must be deleted immediately to prevent further damage to my credit standing I request prompt investigation into all these violations and confirmation once they are resolved I also request that fines or enforcement be issued if noncompliance continues Thank you for reviewing my complaint and protecting consumer rights

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