Consumer complaint received 2025-09-24 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, XXXX XXXX, am submitting this formal complaint regarding multiple inaccuracies on my credit report that are significantly affecting my creditworthiness, ability to secure funding, and financial reputation. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand immediate investigation, correction, or deletion of all inaccurate information. 
Wrong Addresses XXXX XXXX XXXX XXXX XXXX, CA, XXXX This address has never been my residence. Its presence on my credit report is completely erroneous. Because of this incorrect address, I have faced repeated verification issues when applying for legitimate credit and loans. Lenders have repeatedly contacted me regarding accounts allegedly tied to this address, causing confusion, stress, and financial loss. This false address has also complicated my identity verification for essential services, making everyday financial transactions unnecessarily difficult. 
XXXX XXXX XXXX, XXXX XXXX, TX, XXXX I have never lived at this location nor authorized it to appear on my credit file. The reporting of this incorrect address has resulted in misdirected correspondence, false identity assumptions, and potential exposure of my personal data to third parties. These inaccuracies create a false history of residency that could be considered fraudulent if left unresolved. 
Account Disputes XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX, High Balance {$18000.00} Charge Off. I dispute this charge-off status. I have never received adequate notice or validation for this reported default. Reporting this account as a charge-off has directly damaged my credit score, causing lenders to question my credit reliability. This inaccurate reporting has prevented me from qualifying for business loans, caused unnecessary stress, and required repeated disputes with customer service that have yielded no resolution. 
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, High Balance {$11000.00} Charge Off. This account is being incorrectly reported as charged off. I have consistently made payments as agreed or have never been properly contacted regarding any alleged delinquency. The inaccurate charge-off has caused significant credit damage, delayed my loan approvals, and resulted in additional financial fees and stress. It also misrepresents my history of financial responsibility, impacting my personal and professional credibility. 
These inaccuracies are causing severe financial, professional, and personal harm. I request that the CFPB immediately investigate and ensure that all inaccurate addresses, accounts, and inquiries are corrected or removed. Written confirmation of your investigation, findings, and corrective actions is expected as required under FCRA. 
Failure to address these matters promptly will compel me to pursue all available legal remedies, including civil action for damages caused by willful or negligent 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