Consumer complaint received 2025-10-28 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: VA

Complaint narrative:
Dear CFPB Investigator, I am filing this complaint because multiple creditors and financial institutions have reported inaccurate, unverifiable, and unauthorized information on my credit reports with Experian, Equifax, and TransUnion. These reports include false late payments, charge-offs, and collections, along with several unauthorized credit inquiries made without my consent. These actions are damaging my credit standing and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Below is a list of the accounts and inquiries that I am formally disputing : INCORRECT ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing these addresses because they are completely incorrect and unrelated to me. I have never lived, received mail, or conducted any business at these locations. These addresses XXXX have been added in error or due to a mixed file issue. Reporting wrong personal information violates FCRA XXXX, and such errors compromise my personal identity integrity. I request immediate deletion of these addresses from all credit files. 
ACCOUNT DISPUTES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$250000.00} | Reported : Late Payment * * I am disputing the reported late payment history because it is inaccurate. I have no record of being late on this account, and no written or verified proof of late payments has been provided. Reporting incorrect payment history violates FCRA XXXX ( b ), which requires maximum possible accuracy. Please correct the payment history to reflect never late or remove the tradeline entirely if verification can not be obtained. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1300.00} | Reported : Charge Off * * I am disputing this account as I have no knowledge of it. I have never received any documentation, billing statement, or communication proving this debt is mine. Reporting a charge-off without verifiable ownership violates FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ). Unless the furnisher provides signed proof, full account documentation, and lawful verification, this item must be permanently deleted. 
XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$8800.00} | Reported : Late Payment * * This account is inaccurately reported with late payments. I have never missed or delayed any payment. The creditor or bureau has failed to show any verified record of delinquency. Under FCRA XXXX ( a ), unverifiable or incomplete data must be corrected. Please review, verify, and update this account to reflect an accurate payment record or remove it entirely if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$910.00} | Reported : Charge Off * * I have no knowledge of this charge-off account. I never received any notice or explanation regarding this alleged debt. Reporting unverified charge-off status is a direct violation of FCRA XXXX and FDCPA XXXX ( XXXX ), which prohibits false credit information. I request full validation from the furnisher or immediate deletion from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Reported : Charge Off * * This account is also being reported as a charge-off without proof of ownership or verification. I do not acknowledge this debt and have not received any communication from Virginia XXXX regarding delinquency or closure. Under FCRA XXXX ( a ) ( XXXX ) ( A ), unverifiable accounts must be removed. Please delete this entry if documentation can not be produced. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported : Late Payment * * This report is inaccurate because a {$0.00} balance can not be associated with late payments. This misrepresentation damages my credit reputation and violates the accuracy requirement under FCRA XXXX ( b ). Please update or delete this record immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$940.00} | Reported : Late Payment * * I dispute the late payment reporting on this account. I have never been late, and no evidence has been provided showing otherwise. This misinformation is harming my credit profile and must be corrected or deleted per FCRA XXXX ( a ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$31000.00} | Reported : Late Payment * * I dispute the reported late payments as completely inaccurate. I have always maintained timely payments, and no documentation exists showing I was ever delinquent. Reporting this false data is a violation of FCRA XXXX ( b ), which requires the credit bureaus to ensure maximum possible accuracy. Please reinvestigate and correct the payment history to reflect never late, or delete this account if verification can not be provided. 
XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$3200.00} | Reported : Charge Off * * I have no knowledge of this account or any dealings with XXXX XXXX XXXX. I never signed any agreement or received any notice from this company. Reporting an unverified charge-off account constitutes a direct violation of FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ), which require data furnishers to report only accurate, verifiable information. If the furnisher can not provide original signed documentation or full validation of the debt, this tradeline must be permanently deleted from all credit files. 
XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$3000.00} | Reported : Collection * * This collection account is being reported inaccurately. I have never received any communication, validation, or notice of this debt, nor have I authorized any third-party collection. Under FCRA XXXX ( a ) ( XXXX ) ( A ) and FDCPA XXXX ( b ), any unverifiable collection account must be removed. I demand full validation from the data furnisher, including the original signed agreement, proof of ownership, and payment record. If these can not be provided within 30 days, this item must be deleted. 
UNAUTHORIZED HARD INQUIRIES The following inquiries are unauthorized and must be removed immediately. I did not XXXX permission for these companies to access my credit file. Under FCRA XXXX ( a ) ( XXXX ), a consumer report XXXX only be accessed for a permissible purpose such as credit application authorization. These inquiries were made without my consent, which is a violation of my rights and privacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not authorized by me nor related to any valid credit application. Their continued appearance harms my creditworthiness and privacy. Please remove all unauthorized inquiries from my credit file immediately in compliance with FCRA XXXX and XXXX. 
FCRA AND FDCPA VIOLATIONS INVOLVED : FCRA XXXX Failure to ensure fair and accurate credit reporting. 
FCRA XXXX ( a ) Failure to properly reinvestigate disputed information. 
FCRA XXXX ( b ) Furnishers failing to verify disputed data before reporting. 
FCRA XXXX ( a ) ( XXXX ) Unauthorized access to consumer credit reports. 
FDCPA XXXX ( XXXX ) XXXX false credit information. 
FDCPA XXXX ( b ) Failing to validate alleged debts upon request. 
RELIEF REQUESTED : XXXX. XXXX reinvestigation and deletion of all unverifiable and inaccurate accounts listed above. 
XXXX. Removal of all unauthorized hard inquiries from my credit reports. 
XXXX. XXXX action against any data furnisher or credit bureau found violating federal law. 
XXXX. Written confirmation of investigation results and actions taken to correct these violations. 
I respectfully request that the CFPB open an investigation into these repeated violations and take corrective action against the companies and credit reporting agencies involved. I am including copies of my credit report and identification documents for verification purposes. 
Thank you for your 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