Consumer complaint received 2025-08-25 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 

Address : XXXX XXXX XXXX XXXX, NC XXXX Law Issue : Reporting an incorrect address violates FCRA 1681i ( a ) which requires credit bureaus to maintain accurate information. 
Story : I have never lived at this address, nor have I ever had any association with this property. Its inclusion in my credit report is false and misleading. This incorrect address could confuse lenders or creditors, potentially causing denial of credit or additional verification hurdles. I request this address be corrected or deleted immediately. 

Address : XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX Law Issue : FCRA 1681i ( a ) ensures that all reported addresses must be accurate. 
Story : I have never resided at this property. Including it misrepresents my personal history and creates confusion for potential creditors. Immediate removal is necessary for an accurate credit profile. 

Address : XXXX XXXX XXXX XXXX, MI XXXX Law Issue : FCRA 1681i ( a ) requires deletion of unverifiable or inaccurate addresses. Story : I have no connection to this property. Its continued presence falsely reflects my residency and may harm my c
redit applications. I request prompt deletion to prevent further errors in my credit evaluation. 

Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$230.00} * * Issue : Charge Off Law Issue : FCRA 1681s-2 ( b ) obligates furnishers to report accurate information. A false charge-off harms my credit. 
Story : This account was never charged off nor reported accurately. Listing it as a charge-off misrepresents my credit history and negatively affects my ability to obtain credit, loans, and housing. I demand immediate correction or deletion. 

XXXX : XXXXXXXX XXXXXX/XX/year> Law Issue : FCRA 604 ( a ) obligates that any inquiry without my consent be deleted. 
Story : This is a duplicate and unauthorized inquiry. Its presence harms my credit report accuracy and potentially my loan eligibility. Please remove immediately. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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