Consumer complaint received 2025-08-02 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:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX or more consumer reporting agencies and data furnishers for their failure to correct inaccurate, incomplete, and unverifiable information on my credit report, despite my prior dispute efforts. This is my second round of complaint and I have not yet submitted a complaint to the Federal Trade Commission ( FTC ), although I may proceed if no resolution is reached. 
Below is a breakdown of the disputed items still appearing on my credit file : XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have never resided at this address, have no known affiliations, utilities, or leasing agreements tied to it. This appears to be merged with another consumer 's file, violating 15 U.S.C 1681e ( b ) for failure to maintain maximum possible accuracy.

Story : The presence of this address is causing account linkage issues and suggesting a false residence history, leading to wrongful denials and lender suspicion. This is a direct violation of my privacy and credit integrity. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Issue : This address is not associated with me or any legitimate activity of mine. This creates confusion in my report and may be enabling fraudulent activity. 
Story : This address was never authorized for use on any of my financial documents. Its continued appearance suggests negligence in database accuracy management, again violating FCRA 1681e ( b ). 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Late Payment * * Issue : I never missed a payment on this account, and no late notice or communication was ever received. 
XXXX : Reporting inaccurate payment history violates FCRA 1681s-2 ( a ) and Section 623 of the FCRA.

Story : This false delinquency is reducing my credit score and impacting major life decisions, including loan approvals and employment. This entry must be corrected or removed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : Account shows a balance of {$0.00} yet reports a late payment logically contradictory and unverifiable. 
Law : You are legally required to report only verifiable and complete data ( FCRA 1681i ). 
Story : I was never informed of any delinquency. The reported late payment is hurting my score and unjustly defaming my financial trustworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * Issue : No valid documentation has been provided proving I was late. XXXX was settled. 
XXXX : This violates FCRA 623 ( a ) ( XXXX ) ( A ) by furnishing inaccurate information to consumer reporting agencies. 
Story : I completed all responsibilities on this account and have record of communication showing no default. The account must be cleared. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff * * Issue : I was never notified of charge-off, and no documentation was provided to validate it. 
Law : Under FCRA 1681s-2 ( b ), the furnisher must investigate upon notice of dispute. 
Story : This charge-off is erroneous and not reflective of my payment history. It has caused denial Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Issue : Many of these inquiries are either unauthorized, repeated, or excessive. I did not approve multiple hard pulls from the same lenders. 
Law : Under FCRA 604 ( a ) ( 3 ), a permissible purpose must exist for every hard inquiry. 
Story : These inquiries were done without my full knowledge and consent, some even duplicated on the same day. They are hurting my credit score and must be investigated and removed if not fully authorized.

REQUEST FOR CFPB ACTION : I am requesting that the CFPB conduct a formal investigation into the failure of the credit reporting agencies and data furnishers to remove or correct the above inaccurate, unverifiable, and unauthorized information. My previous disputes were either ignored or insufficiently investigated, and my rights under FCRA have been violated repeatedly. I am requesting that : XXXX. All wrong addresses be deleted immediately XXXX. All late payments, charge-offs, and collections that are inaccurate or unverifiable be removed XXXX. All unauthorized or repeated hard inquiries be investigated and deleted if invalid XXXX Credit reporting agencies be held accountable for failure to maintain accurate and fair credit reporting practices

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