Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding numerous inaccurate, unverified, and misleading entries that have been reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies have significantly damaged my credit reputation, and despite previous disputes, the reporting entities have failed to properly investigate or correct the errors as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Incorrect Personal Information The following addresses appearing on my credit report are not mine and should be immediately deleted as they are inaccurate identifiers that can lead to further reporting errors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no association or residence history at these addresses. Their presence on my file suggests identity confusion or data mixing by the reporting agencies.

2. Accounts with Inaccurate and Unverified Information Below is a list of accounts that are being improperly reported on my credit file. Each entry contains either unverified charge-off statuses, incorrect collection reporting, or inaccurate payment histories. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reported late payment is false. I have never made a late payment on this account. The reporting must be corrected immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account. It must be deleted from my credit file for lack of verification and proper validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this account. Please delete it unless the furnisher can provide valid documentation bearing my signature. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this account. The creditor has failed to provide validation upon prior request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The payment history is incorrect. I have never made a late payment to this creditor. I demand immediate correction of the inaccurate history. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this debt. This account must be deleted as unverified and improperly reported. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this debt. Requesting deletion due to failure of validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account. It must be deleted from all credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this debt. Request deletion immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this debt. It must be removed unless verified by signed documentation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this account. It must be removed from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account. Please delete immediately unless verified by original signed documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this debt. Delete it for lack of verification. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account. Requesting deletion immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The payment reporting is inaccurate. I have never made a late payment on this account. Request correction to show all on-time payments. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this account. Request immediate deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this debt. Delete this unverifiable account. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account. Must be deleted immediately for failure of validation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have no knowledge of this debt. Delete it from all reporting bureaus. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this debt. Request immediate deletion.

3. Violation of Consumer Rights These inaccuracies collectively violate my rights under : FCRA 602 ( A ) Ensuring accuracy and fairness of credit reporting FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a proper reinvestigation FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers reporting information with actual knowledge of errors The furnishers and credit reporting agencies have failed to provide adequate proof of account ownership, signed agreements, or payment records to substantiate these entries. Therefore, I request a full reinvestigation and deletion of all unverifiable or inaccurate items.

Requested Action I respectfully demand that : All unverified charge-off and collection accounts listed above be deleted from my credit report. 

All late payment inaccuracies be corrected to show never late. 

The wrong addresses be permanently removed from my file. 

CFPB conduct a full investigation to ensure the furnishers comply with FCRA and take immediate corrective actions. 

Please provide me with confirmation of receipt of this complaint and updates regarding actions taken. I am enclosing copies of my identification and supporting documents for verification purposes. 

Thank you for your prompt attention to this matter.

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