Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am submitting this formal complaint because the credit reporting agencies and furnishers have continued to report inaccurate, unverifiable, and unauthorized information on my credit reports. Despite prior dispute efforts, these items have not been properly investigated or removed, and I am still suffering severe financial and emotional harm. I am listing each problematic item below with the corresponding issue, law violations, and specific impact these errors have caused in my life. 
XXXX XXXX XXXX  XXXX, CO XXXX WRONG ADDRESS Issue : I have never lived at or been associated with this address at any point. This address was falsely reported without my authorization or verification. It is causing confusion and affecting my credit history. 
Law Violation : Under FCRA Section XXXX A and XXXX ( b ), the inclusion of inaccurate address data without proper investigation is a violation of my rights as a consumer. 
Story : Due to this address, Ive been flagged by creditors and credit bureaus for high-risk profiles and suspected fraud. I have provided my correct address multiple times and demanded removal, yet this false data is still present, hurting my financial credibility and causing emotional distress. 
XXXX XXXX # XXXX * * * * LATE PAYMENT HIGH BALANCE : {$230.00} DATE OPENED : XX/XX/XXXX * * Issue : This account reported late payment entries that I strongly dispute. No notice of missed payment or billing error was ever received. Ive requested validation but received no adequate documentation. 
Law Violation : FCRA XXXX ( XXXX U.S. Code XXXX ) and FDCPA XXXX ( XXXX U.S. Code XXXX ) require debt verifiers to provide proof of liability and billing accuracy. This was not fulfilled. 
Story : This derogatory mark has dropped my credit score significantly and disqualified me from rental housing and a car lease. I am facing real-world harm due to inaccurate negative reporting that remains unresolved. 
XXXX FIN # XXXX * * * * * * * * * CHARGE OFF HIGH BALANCE : {$30000.00} DATE OPENED : XX/XX/XXXX * * Issue : This account was charged off and is now being falsely reported with inconsistent balance data. No proper notice of default or lawful collections process was followed. 
Law Violation : Under FCRA XXXX and FDCPA XXXX ( False or Misleading Representations ), this is illegal. Reporting agencies are also liable under XXXX U.S. Code XXXX. 
Story : I was never notified of delinquency timelines nor offered resolution before the charge-off. It has severely impacted my creditworthiness and mental well-being. The burden of proof lies on the furnishers, which they have failed to meet. 
XXXX INQUIRY DATE : XX/XX/XXXX Issue : Hard inquiry conducted without my consent or permissible purpose under FCRA guidelines XXXX 
Law Violation : FCRA XXXX ( XXXX U.S. Code XXXX ) clearly restricts credit pulls to authorized purposes. 
Story : I did not apply for any account with THD/CBNA, nor did I give authorization. This unauthorized inquiry is damaging my credit score and poses an identity theft risk. 
XXXX XXXX INQUIRY DATE : XX/XX/XXXX Issue : Unauthorized inquiry. I never applied for a card nor gave written or electronic consent. 
Law Violation : FCRA Section XXXX ( a ) ( XXXX ) and Section XXXX ( a ) hold data furnishers and bureaus liable for accuracy and verification of permissible access.

Story : The inquiry appears to be the result of systemic ID mix-up or identity theft, which is very distressing and affecting my trust in credit systems. 
XXXX  XXXX BANK NA INQUIRY DATE : XX/XX/XXXX Issue : Hard inquiry made without my knowledge or request for credit. 
Law Violation : FCRA XXXX & XXXX ( a ) this act of pulling my credit without my authorization is a direct violation of federal consumer protection laws. 
Story : Due to this, I was denied a refinance opportunity. These unjustified inquiries give the illusion of frequent credit seeking, which is misleading and false. 
These issues, individually and collectively, are in violation of multiple provisions under the FCRA ( XXXX U.S.C. XXXX ), FDCPA ( XXXX U.S.C. XXXX ), and other consumer protection laws. The harm caused by these violations is ongoing and is affecting my financial future, personal life, and mental health. I respectfully request the Consumer Financial Protection Bureau to investigate this matter, instruct the credit bureaus and furnishers to provide full validation, and require the immediate correction or deletion of all inaccurate and unauthorized information. 
Thank you for your time and attention to this serious matter.

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