Consumer complaint received 2025-08-09 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:
CFPB COMPLAINT I am submitting this complaint to report multiple inaccurate, unverified, and unauthorized items being reported on my credit file by the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. These inaccuracies are causing me severe harm, denial of credit, higher interest rates, and emotional distress. I have no contractual relationship, no authorization, and no consent for these items to be reported. Despite my previous disputes, the credit bureaus have failed to properly investigate and delete these items as required by law. The following are the disputed items : XXXX XXXX XXXX XXXX, CA XXXX Address Issue : Duplicate and incorrect variation of a prior disputed address, showing negligent database maintenance. 
Law Violations : FCRA 607 ( b ) maximum possible accuracy ; 611 ( a ) ( 5 ) failure to correct or delete disputed data.

Story : The reappearance of this incorrect variant proves that the reinvestigation process is flawed, leading to recurring harm to my profile and increased risk of being linked to fraudulent or mistaken accounts. 
XXXX XXXX XXXX, XXXX, CA XXXX Address Issue : I have no past or present connection to this address, and it is contributing to the mix of my file with another consumers information. 
Law Violations : FCRA 605B, 607 ( b ) inaccurate identity reporting ; violation of consumers right to block identity theft-related data. 
Story : Linking me to an unrelated location can cause mistaken account assignments, false public record associations, and reputational harm, all of which have a measurable negative effect on my financial standing. 
XXXX XXXX XXXX XXXX  XXXX Acct No. XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$63000.00} Charge Off XXXX XXXX  Issue : This account is not mine, is outdated, and is being reported in violation of the credit reporting time limits. A charge-off this old can not be legally reported under FCRAs 7-year rule from the date of first delinquency.

Law Violations : FCRA 605 ( a ) ( 4 ) prohibition of obsolete information ; 607 ( b ) failure to maintain accuracy ; 611 ( a ) failure to delete unverifiable accounts. 
Story : This charge-off is more than a decade past the allowable reporting period and is still abeing reported despite its clear ineligibility. Keeping this account on my report is a blatant violation of federal law, and it is severely impacting my credit score, loan eligibility, and personal reputation. 
These items are being reported without proper verification, documentation, or permissible purpose. Under the FCRA, the credit reporting agencies and furnishers are required to conduct a reasonable investigation, delete any unverifiable information, and provide me with the method of verification. The continued reporting of these inaccurate and unverified items shows willful disregard for federal law. I am requesting immediate deletion of all the disputed addresses and the unauthorized inquiry from my credit reports. Failure to do so constitutes continued violation of my consumer rights and will result in further legal action and complaints to the CFPB, FTC, and State Attorney General.

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