Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against the major credit reporting agencies and several furnishers for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverifiable, and misleading information on my credit report. Despite my repeated good faith efforts to maintain accurate information, the following errors continue to appear, damaging my credit reputation and causing financial and emotional distress. 
WRONG ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  These addresses are clearly not mine and should be immediately deleted from my credit report. The continued reporting of these addresses is misleading, confusing, and violates FCRA 602, which protects consumers from inaccurate and outdated information that may harm their financial integrity. 
DISPUTED ACCOUNTS AND ISSUES XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$300000.00} | Late Payment I have never made late payments on this account. The reported delinquencies are inaccurate and misleading. Please verify the full payment history and correct the report immediately. 
XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$29.00} | XXXX XXXX This is a serious reporting error. I have always paid this account on time. I request validation of all alleged late payments and correction of my payment history under FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$240.00} | Late Payment The reported delinquency is false. I request a detailed investigation and removal of all incorrect late payment notations. 
XXXX Acct : XXXX Opened : XX/XX/XXXX | XXXX : {$0.00} | Late Payment There is no valid basis for a late payment report on a XXXX balance account. This must be deleted or corrected immediately. 
XXXX XXXX Acct : XXXXXXXX XXXX Opened : XX/XX/XXXX | Balance : {$5500.00} | Late Payment The payment history reflected is inaccurate. I dispute any late payment reporting and demand correction or removal after verification. 
XXXX XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment This account is incorrectly reported with late payments despite a XXXX balance. I request an immediate correction. 
XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX | Balance : {$7200.00} | Charge Off I dispute this account in its entirety as I have no knowledge of it. I demand complete validation with all signed agreements and payment documentation. If the furnisher can not verify, this account must be permanently deleted from all credit files. 
UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX Inquiry on XX/XX/XXXX These inquiries were not authorized by me. I did not apply for any credit or grant permission for XXXX XXXX to access my file. Please remove both inquiries immediately as they violate FCRA 604 ( a ) ( 2 ), which requires permissible purpose. 
FCRA VIOLATIONS AND IMPACT These repeated and ongoing inaccuracies constitute violations of FCRA 602, 604, 607 ( b ), 611, and 623, which require furnishers and credit reporting agencies to maintain fair, accurate, and verifiable consumer credit information. 
The failure to ensure accuracy and the refusal to remove unverifiable data have directly harmed my creditworthiness, caused financial setbacks, and created undue emotional stress. 
REQUEST FOR INVESTIGATION I respectfully request that the CFPB : 1. Conduct a full investigation into the reporting practices of the credit bureaus and furnishers listed above. 
2. Ensure deletion or correction of all inaccurate addresses, unauthorized inquiries, and unverifiable accounts.

3. Hold the responsible entities accountable for non-compliance with FCRA regulations.

4. Provide me with a detailed report of all actions taken and findings from this complaint. 
Supporting Documentation I am including copies of my government-issued ID, recent utility bill ( proof of current address ), and a recent credit report highlighting the disputed items for your reference. 
Thank you for your attention to this serious matter. I trust the CFPB will take appropriate steps to ensure my consumer rights under federal law are upheld.

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