Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As I carefully reviewed my credit report, I discovered multiple inaccuracies that have created a misleading and distorted representation of my personal and financial history. My residential history has been reported incorrectly, which can have serious implications for identity verification, credit decisions, and loan approvals. Specifically, the addresses XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX ) are listed on my report despite the fact that I have never lived at either location. These errors violate FCRA 607 ( b ), which obligates credit reporting agencies to maintain maximum possible accuracy, as well as 609 ( a ) ( XXXX ), which guarantees my right to a full disclosure of all information reported in my file. The presence of these incorrect addresses can create confusion for lenders, landlords, and other entities reviewing my credit file, potentially leading to inaccurate risk assessments and wrongful denials of credit or housing. I request that these addresses be fully investigated and permanently removed or corrected to reflect my verified residential history. 
In addition, several accounts are inaccurately reporting late payments or incorrect dates of last activity, which negatively impact my XXXX XXXX and overall financial reputation. Accounts such as XXXX XXXX XXXX XXXX XXXX ( Balance : {$280.00}, Opened XX/XX/XXXX, Last Activity XX/XX/XXXX, XXXX late ), XXXX XXXX ( Balance {$0.00}, Opened XX/XX/XXXX, Last Activity XX/XX/XXXX, XXXX late ), XXXX XXXXXXXX ( Balance {$0.00}, Opened XX/XX/XXXX, Last Activity XX/XX/XXXX ), XXXX XXXXXXXX ( Balance {$0.00}, Opened XX/XX/XXXX, Last Activity XX/XX/XXXX ), XXXX XXXX ( Balance {$0.00}, Opened XX/XX/XXXX, Last Activity XX/XX/XXXX ), and XXXX XXXX XXXX ( Balance {$0.00}, Opened XX/XX/XXXX, Last Activity XX/XX/XXXX ) XXXX XXXX are being reported with inaccurate late payments or activity dates that conflict with verified statements from the original creditors. These errors violate FCRA 623 ( a ) ( 1 ) ( A ) ( accurate reporting ) and 623 ( a ) ( 5 ) ( accurate date of first delinquency ), and may constitute unfair or misleading practices under FDCPA 807 & 808. I request a thorough, account-by-account reinvestigation to ensure that all late payments, balances, and dates of last activity are corrected or removed if unverifiable. 
Finally, my report contains missing charge-offs and unauthorized or unverifiable inquiries, which violate multiple federal regulations and have the potential to significantly harm my credit profile. For example, XXXX XXXX XXXX XXXX, with a balance of {$430.00}, is not reported, despite being a valid charge-off that should appear according to FCRA XXXX ( a ) ( XXXX ) ( A ) ( duty to report accurate information ) and XXXX ( a ) ( no obsolete or misleading information ). The omission of this charge-off can create an incomplete or inaccurate representation of my credit obligations, which can mislead potential creditors and affect my ability to secure loans or favorable interest rates. Additionally, inquiries listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX were either unauthorized, inaccurately reported, or lack a permissible purpose, which violates FCRA 604 ( a ) ( ensuring all hard inquiries are for permissible purposes ) and 611 ( consumer dispute rights ). These unauthorized or unverifiable inquiries can artificially lower my XXXX XXXX, distort my financial reputation, and result in unwarranted denials of credit, housing, or employment opportunities. Such inaccuracies also undermine the integrity of my credit report and impede my right to dispute and correct errors under FCRA 609 ( a ) ( 1 ), which ensures full disclosure of all information. I request that all charge-offs and inquiries be thoroughly verified with the original furnishers, and that any information that can not be fully validated be removed immediately. I also request a corrected, updated credit report reflecting only accurate, verifiable information, as this is essential to protect my financial reputation, ensure fair treatment by creditors, and comply with XXXX  law.

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