Consumer complaint received 2025-08-12 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:
I am filing this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., regarding the inaccurate, unverifiable, and unauthorized items currently appearing in my credit file. The credit bureaus and furnishers have failed to ensure maximum possible accuracy under FCRA 607 ( b ), have reported unverifiable information in violation of FCRA 611, and have allowed unauthorized credit pulls in violation of FCRA 604 ( a ). 
XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong Address Reporting Law : FCRA 15 U.S.C. 1681e ( b ) and 1681i ( a ) prohibit reporting outdated or unverifiable personal information. Negligent failure to maintain accurate personal identifiers constitutes a violation subject to damages under 1681o. 
Story : I have never resided at this XXXX address and have no connection to it. Its wrongful inclusion in my credit file is misleading and harmful. Despite my previous disputes, the credit bureaus have failed to verify its accuracy and continue reporting it, damaging my credibility in lending decisions and exposing me to identity-related fraud risk. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$700.00} Collection * * Issue : Inaccurate Collection Account Reporting Law : FCRA 1681s-2 ( b ) obligates furnishers to conduct proper investigations upon receiving disputes and to delete unverifiable accounts. FDCPA 15 U.S.C. 1692e prohibits false representation of debt and 1692f prohibits unfair practices.

Story : This account is reported as a collection without proper validation. I never received any debt validation letter from the collector as required by 15 U.S.C. 1692g. The account may be the result of mistaken identity or billing error. No original signed agreement or itemized statement proving the debts legitimacy has been provided to me. Reporting this account without verification damages my credit score, impedes my ability to obtain credit, and causes emotional distress. Continuing to report unvalidated debt constitutes a willful violation of both the FCRA and FDCPA. 
XXXX XXXX XXXX XX/XX/year> Inquiry Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( a ) and 1681q prohibit obtaining a consumer report under false pretenses. 
Story : XXXX XXXX pulled my report without my knowledge or any valid credit transaction. This is a clear breach of federal law and has harmed my credit profile. 

XXXX XXXX XXXX XX/XX/year> Inquiry Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( a ) limits inquiries to those with consumer consent or legitimate business need. 
Story : XXXX accessed my report without consent or valid reason. This has caused a drop in my credit score and constitutes unlawful use of my personal data XXXX XXXX XXXX XXXX XXXXXX/XX/year> Inquiry Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( a ) mandates permissible purpose before pulling a consumer report. 
Story : XXXX XXXX XXXX XXXX performed this inquiry without my authorization or any credit application from me. This constitutes an impermissible pull that harmed my creditworthiness. 
I have already attempted to dispute these inaccuracies directly with the credit reporting agencies, yet they remain on my file. Under FCRA 611, if the information can not be verified within 30 days, it must be deleted. The continued reporting of this unverifiable and unauthorized information is willful non-compliance, making the furnishers and CRAs liable for statutory and actual damages under FCRA 616 and 617. 
I am requesting that the CFPB open a formal investigation into these violations, compel the credit bureaus and furnishers to provide documented proof of accuracy, and order the immediate deletion of the disputed addresses, account, and inquiries from my credit file. If verification can not be produced, deletion is required by law. 
Enclosed are copies of my disputes, responses received ( if any ), and a copy of my government-issued identification to confirm my identity.

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