Consumer complaint received 2025-09-14 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), because several furnishers and debt collectors are reporting inaccurate, unverifiable, and duplicate negative information on my credit report. These items are harming my creditworthiness and violating my consumer protection rights. 
Wrong Addresses Reported ( Identity Confusion / FCRA 607 ( b ) Violation Accuracy and Fairness ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address, not associated with me, inaccurate and misleading, violates FCRA requirement to maintain maximum possible accuracy, this wrong address raises red flags with lenders and insurance companies who think I may be linked to locations I have never lived in, I have already faced embarrassing denials where creditors asked for documents proving I do not reside here, this is an unnecessary burden and emotional stress caused by the failure to report accurately Account Issues Reported ( FCRA 609, 611, 623 Violations ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4300.00} Late Payment being reported inaccurately, I dispute these lates as they are not mine and are harming my credit standing, furnisher has failed to provide proper validation as required under FCRA 623 and FDCPA 809 ( b ), I demand full investigation and deletion if not validated, this inaccurate late reporting has already caused me to be denied an auto loan and forced me to pay much higher interest on another loan, the reporting of false delinquencies makes it appear as though I am irresponsible with my finances, which is false and damaging to my reputation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$17000.00} Late Payment is being reported, this is inaccurate and unverifiable, furnisher failed to comply with 609 ( a ) ( 1 ) requiring disclosure of the source of information, continuing to report without verification is a willful violation of 623 ( a ) ( 1 ) ( A ), I demand immediate deletion or correction, because of this false reporting I was denied a mortgage pre-approval and faced humiliation in front of my family when I could not move forward with a home purchase, the account shows false negatives that paint me in a very unfair financial light, this has impacted my financial goals and personal stability XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$29000.00} Late Payment is being reported, I dispute these lates, account has not been validated properly, under FCRA 611 ( a ) once disputed the furnisher must conduct a reasonable investigation, failure to do so and continuing to report inaccurate lates is unlawful and damaging, this false late reporting has made it nearly impossible for me to refinance my auto loan at a fair interest rate, I have been overcharged monthly due to a poor credit score that does not truly reflect my payment history, the stress of paying hundreds more each month is an unfair burden caused by these violations XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Charge Off reported without proper validation, under FCRA 611 ( a ) I have the right to dispute and the furnisher must conduct a reasonable investigation, I never received validation documents such as signed contracts or complete payment histories, reporting without proof violates 623, because of this false charge off my credit score dropped drastically, causing me to be denied a mortgage loan and forcing me to continue renting instead of buying a home, the emotional and financial stress from this inaccuracy is severe XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Collection account reported by debt buyer, I dispute its accuracy, XXXX has failed to validate ownership of this debt under FDCPA 809 ( b ) and continues to report, this is an unlawful practice, this reporting has caused lenders to treat me as high risk, I was denied an auto refinance application which could have saved me hundreds monthly, this proves substantial financial injury from this false reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1600.00} Collection account being reported, I dispute its accuracy, I have never received proper validation documents or billing records proving this balance is mine, under FCRA 609 and FDCPA 809 ( b ) I have the right to full disclosure, failure to provide proof but continuing to report is unlawful, because of this entry I have been denied mobile phone financing and other utility accounts, being treated unfairly as though I am untrustworthy when the debt itself is not proven to be mine Story/ Harm Caused ( FCRA 602 Congressional Findings and Purpose ) : These errors have created significant harm in my financial life, I have been denied credit opportunities, suffered emotional distress, and faced higher interest rates due to the false addresses and inaccurate account reporting. The wrong addresses indicate possible identity theft or file mixing which is a direct violation of FCRA 607 ( b ). Credit reporting agencies and furnishers have a legal duty to assure maximum possible accuracy, yet they have failed to uphold that duty. I have repeatedly disputed these items and they remain, proving lack of compliance with 611 ( a ) and 623 ( b ). The continued reporting of false information constitutes willful noncompliance under FCRA 616 and negligent noncompliance under 617.

Summary of Harm : These false, duplicate, and unverifiable accounts have caused : Credit denials ( mortgage, credit cards, auto refinance ) Higher interest rates on existing credit Emotional stress and reputational damage Barriers to basic services like utilities and mobile phone financing The continued reporting of inaccurate and duplicate information constitutes willful noncompliance with FCRA 616 and negligent noncompliance with FCRA 617.

Relief Requested : 1. Deletion of all inaccurate and duplicate accounts listed above. 
2. Immediate investigation and validation of all disputed items, with deletion required if not fully verified.

3. Enforcement action by CFPB to ensure compliance with FCRA and FDCPA.

4. Compensation for damages caused by negligent and willful noncompliance. 
I request that the CFPB take immediate steps to correct these violations and restore accuracy to my credit file.

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