Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and the furnishers of the information listed below for reporting false and inaccurate information on my credit report. These inaccuracies have severely impacted my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1. Wrong Address Reporting The following addresses are being reported on my credit file, but I have no connection or association with them whatsoever : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX These addresses are inaccurate and must be deleted immediately. Reporting of wrong personal information constitutes a failure to maintain accurate and verifiable data as required under FCRA 607 ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy. 

XXXX. Inaccurate Late Payment Reporting The following accounts are being falsely reported with late payment history : XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$7100.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$4700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5500.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$23000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX These accounts are inaccurately marked as having late payments, which is completely false. 
I have never made any late payments on these accounts, and the furnishers have failed to verify the accuracy of the payment history. Reporting such false information without proper verification violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611, which require furnishers and credit reporting agencies to ensure data accuracy and correct or delete unverifiable information within XXXX  days of dispute. 

XXXX. Improper Inquiry Reporting XXXX XX/XX/XXXX This inquiry was unauthorized, and I did not provide consent for XXXX to access my credit file. Reporting unauthorized inquiries without permissible purpose violates FCRA 604 ( a ).

Requested Action I am demanding the following immediate corrective actions : Deletion of the wrong addresses listed above.

Correction of the inaccurate late payment notations and updating of the accounts to reflect a Never Late status.

Removal of the unauthorized inquiry by XXXX. 

Written confirmation that all changes have been made and that my consumer rights under the FCRA have been respected. 

The continued reporting of inaccurate information after being notified of errors constitutes willful noncompliance under FCRA 616 and 617, and I reserve the right to pursue all available remedies, including civil action, if these issues are not promptly corrected. 

Thank you for your attention to this serious matter. Please investigate these violations and ensure that the responsible furnishers and reporting agencies comply with the 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