Consumer complaint received 2025-08-06 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:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is not my address and I have never lived at this location.

Law : Under FCRA 15 U.S.C. 1681c ( a ), only accurate and verifiable information should appear on my credit file.

Story : The presence of this incorrect address has caused confusion during my loan application processes and risked wrongful association with accounts or liabilities I do not recognize. I was recently denied an apartment rental due to concerns about my residency history, which was traced back to this error. I am requesting immediate removal of this address from my report for compliance with federal law and to prevent future financial harm. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is also incorrect and has never been associated with me.

Law : FCRA mandates that consumer reporting agencies maintain maximum accuracy of the information they report.

Story : Because of this error, a recent background check incorrectly flagged potential fraud, which caused significant stress and complications in my job search. This wrongful address on my credit file is affecting my reputation. I demand thorough reinvestigation and correction to prevent any further negative consequences. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$7700.00} Issue : Account listed as Charge Off, which is misleading and not properly explained.

Law : Pursuant to FCRA 15 U.S.C. 1681s-2 ( a ), furnishers have a duty to report complete and accurate information.

Story : I was affected by the COVID-19 pandemic and my hardship
arrangements with XXXX XXXX were not properly reflected, leading to a premature charge-off status. The account should have reflected my communication and efforts to settle. Despite submitting documents, the bureau did not update my file as promised and my credit score dropped, impacting a mortgage application. For fairness and compliance, this entry should be fully verified and corrected. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX Issue : Marked with Late Payment, which is factually incorrectpayments were submitted on time.

Law : Under FCRA, incomplete or inaccurate negative information must be corrected upon dispute.

Story : I have proof that the alleged late payment was the result of a processing error by the creditor, even after I provided evidence. The negative mark was used by a lender to deny me a car loan, causing personal and financial setbacks. This false late payment must be deleted to restore my credit worthiness and personal integrity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Issue : Charge Off reported inaccurately, account was in a payment agreement not honored by the bureau.

Law : FCRA requires accurate reporting ; section 609 gives me the right to request investigation, and I insist on documentation.

Story : My agreement to pay with XXXX was ignored, and while I made payments as promised the account was still charged off, which was unjust. I communicated and tried to resolve in good faith. The reporting is not only inaccurate but damages my ability to support my family. This unfair charge-off entry needs thorough review and removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Issue : Duplicate charge-off being reported for the same account, which is misleading and inflating my risk profile.

Law : Reporting the same bad debt on multiple lines violates FCRA 607 ( b ) regarding duplicative, misleading, or outdated entries.

Story : This duplicate reporting worsened my credit score doubly for the same original event. I missed opportunities for employment and financial assistance as a direct result. I request immediate correction to ensure only accurate, non-duplicative data is reported, in line with federal guidelines. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Marked with Late Payment even though the loan was paid off in full and on time.

Law : FCRA provides me the right to dispute inaccurate or obsolete information and to have it promptly corrected or deleted.

Story : The late payment notation from XXXX XXXX XXXX caused my application for a business loan to be rejected. The loan was fully settled as agreed and proof can be provided. This incorrect report reflects negligence and damages my credibility as a borrower. I am requesting immediate removal to reflect my true payment history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance Owed : {$14000.00} Issue : Wrongly listed as Late Payment ; I never missed a scheduled payment and my bank records confirm on-time payments.

Law : FCRA Section 611 ( a ) requires prompt reinvestigation upon dispute.

Story : Due to a clerical error by the creditor, my on-time payments were reported as late. This harmful entry recently led to an increased interest rate on a new credit card, costing me additional money. I demand urgent correction and that my credit reputational damage be rectified.

Final Note : These errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : 1. Fully investigate all inaccurate accounts, addresses, and inquiries.

2. Compel the furnishers to provide documented proof or delete the items.

3. Ensure all entities comply with the FCRA and FDCPA.

4. Provide a written resolution within the legal timeframe.

Thank you for your time and support in helping protect my consumer rights.

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