Consumer complaint received 2025-10-16 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 regarding multiple inaccuracies on my credit report which remain unresolved despite my prior attempts to correct them. My previous complaint is still open. I have not submitted this matter to the FTC yet, but I am formally requesting CFPB intervention under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable state and federal laws. The continued presence of these inaccuracies is causing financial harm, emotional distress, and impeding my ability to access credit fairly. 
Account Disputes and Issues : XXXX XXXX XXXX, MI XXXX Wrong Address This address is incorrectly reported on my credit report. I have never resided at this location and demand correction of my personal information. 
XXXX XXXX Ct XXXXXXXX XXXX XXXX Wrong Address I have no association with this address, and its presence on my report is misleading and damaging. 
Rocket MTG XXXX * * * Late Payment Open Date : XX/XX/XXXX High Balance : {$90000.00}. 
I have never made late payments on this account. The reporting of a late payment is inaccurate, misrepresenting my credit history and harming my creditworthiness. I demand this history be corrected immediately. 
XXXX XXXX XXXX * * * * Late Payment Open Date : XX/XX/XXXX High Balance : {$320.00}. 
The reported late payment is false. I have never been late on this obligation. This is a clear error and must be corrected without delay. 
XXXX XXXX XXXX * * * * Late Payment Open Date : XX/XX/XXXX High Balance : {$450.00}. 
The reported late payment is inaccurate. I have never missed any payment. XXXX correction is required. 
XXXX XXXX XXXX * * * Late Payment Open Date : XX/XX/XXXX High Balance : {$2000.00}. 
This account is being inaccurately reported as late. I have maintained proper payments and demand immediate correction of this false information. 
XXXX XXXX * * * Late Payment Open Date : XX/XX/XXXX High Balance : {$720.00}. 
I have never been late on this account. The reported late payment is completely inaccurate and misleading. 
XXXX XXXX XXXX * * Charge Off Open Date : XX/XX/XXXX High Balance : {$410.00}. 
I have no knowledge of this account and dispute its validity. Reporting this account as a charge-off without verification is unlawful. I demand its removal from my credit report. 
XXXX XXXX * * * XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX : {$250.00}. This account is being inaccurately reported as late. I have never missed any payment. XXXX correction is required. 
XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry was made without my authorization. I demand its removal from my credit history immediately. 
The continuous reporting of these inaccurate addresses, false late payments, collections, charge-offs, and unauthorized inquiries has caused severe financial and emotional damage. I request that the CFPB investigate these matters promptly, instruct the credit reporting agencies to correct or delete the inaccurate information, and ensure that my credit file accurately reflects my true credit history. 
I expect a timely response and confirmation of corrections. I reserve all rights to escalate this complaint, including filing with the Federal Trade Commission, taking legal action under applicable federal and state statutes, and seeking remedies for any damages caused by continued inaccurate reporting.

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