Consumer complaint received 2025-08-08 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: WA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because the credit bureaus are reporting false, unauthorized, and unverified information on my credit reports. Despite my attempts to dispute these matters directly with the bureaus, they have failed to correct or remove these violations. I am requesting immediate enforcement and action from the CFPB to hold the furnishers and the credit reporting agencies accountable for these ongoing violations of federal law. 
ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX Law : FCRA 1681e ( b ), 1681i Issue : This address is inaccurate and does not belong to me Story : I have never lived, worked, or had any affiliation with this address. It is reporting incorrectly and may be contributing to account mismatches. Please delete it immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX, UT XXXX Law : FCRA 1681e ( b ), 1681i Issue : This is an erroneous address never linked to me Story : I have no ties to this address and have never received mail or services here. Its presence is incorrect and may be impacting my credit file. Please remove it permanently. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Law : FCRA 1681e ( b ), 1681i Issue : This mailing address is unrecognized and false Story : Ive never used or authorized this XXXX XXXXXXXX, nor have I lived in XXXX XXXX. This entry is harmful and misleading and should be deleted without delay. 

ACCOUNTS XXXX/DOFED # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} Late Payments XXXX XXXX Law : FCRA 1681s-2, 1681i Issue : Late payments are inaccurately reported Story : I dispute the reported delinquencies. These late payments were never validated with proper documentation. Under the law, furnishers must only report complete and accurate data. Please remove these delinquencies after proper reinvestigation. 

XXXXDOFED # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$64000.00} Late Payments XXXX XXXX Law : FCRA 1681s-2, 1681i Issue : Inaccurate late payment history reported Story : These late marks are being reported in error. I request that you verify them with full records or delete them. Failure to investigate thoroughly violates federal law. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2300.00} Charge-Off XXXX XXXX Law : FCRA 1681e ( b ), 1681i Issue : This charge-off is inaccurate and unverifiable Story : This account does not belong to me or was fraudulently opened. I never received notice or billing statements. Please investigate and remove if not verifiable with original creditors signed documents. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Collection XXXX XXXX  Law : FCRA 1681b, 1681i Issue : Collection is inaccurate and lacks full verification Story : I have no contract or lease with XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This entry is damaging and can not be verified by any documents I signed. Remove immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6800.00} Collection XXXX XXXX Law : FCRA 1681b, 1681i, HIPAA Issue : Medical collection lacks proper HIPAA-compliant authorization Story : I was never notified of this debt, and no HIPAA release form has been provided to verify the accuracy of this reporting. This must be deleted as its unverifiable and violates my medical privacy rights. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Late Payments * * Law : FCRA 1681s-2 ( a ), 1681i Issue : Late payment information is incomplete and outdated Story : These delinquencies are more than XXXX XXXX XXXX and were inaccurately reported. No full payment history or direct validation was ever provided. Please reinvestigate and delete. 

INQUIRY XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 1681b ( c ), 1681b ( a ) ( 3 ) Issue : Unauthorized hard inquiry without permissible purpose Story : I did not initiate any application for credit or authorize this company to access my report. This inquiry was done without my knowledge or written consent. Please remove it for violating permissible purpose standards. 

I am demanding immediate investigation and enforcement by the CFPB to ensure all listed addresses, unauthorized inquiries, and unverified accounts are removed from all credit bureau reports. These issues are damaging my credit score, affecting my financial opportunities, and violating my consumer rights. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act, and I rely on the CFPB to ensure these violations are addressed with urgency and consequence. I request full correction, deletion, and written confirmation of all resolved matters from the CFPB and all involved parties.

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