Consumer complaint received 2025-07-30 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 Consumer Financial Protection Bureau I am submitting this complaint because multiple creditors and consumer reporting agencies are reporting inaccurate and harmful information on my credit file that violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and has caused me significant damage I have made good faith attempts to resolve these issues directly but I continue to be harmed by incorrect addresses unauthorized credit inquiries and inaccurate reporting of accounts I request immediate investigation and enforcement action to ensure my rights are protected XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681e ( b ), 1681i ( a ) Story : This address is inaccurately associated with my credit file. I have never lived, worked, or had any connection with this property. Its presence suggests my personal data may have been mixed with another consumers information or used fraudulently. This error has resulted in accounts and inquiries being reported incorrectly under my name, damaging my credit profile and personal integrity XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681e ( b ), 1681b Story : I have no ties to this address. It appears on my credit report without my knowledge or consent. This suggests either a file merger or ID misuse. Reporting such data reflects a failure to maintain maximum possible accuracy and exposes me to fraudulent liabilities XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681e ( b ), 1681i Story : This address has never belonged to me and its appearance on my credit file is deeply troubling. It raises questions about the validity of accounts attached to it and indicates a serious breach of data accuracy and identity integrity XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} Issue : Late Payment Law : FCRA 1681s-2, 1681i Story : This account reflects a late payment that I dispute. I experienced a temporary financial hardship during the time in question and reached out for a payment arrangement, which was acknowledged but never updated on the report. Instead, a derogatory status was added, ignoring my efforts. This violates my rights as a consumer and unfairly damages my payment history XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Issue : Late Payment Law : FCRA 1681s-2 ( b ), 1681e ( b ) Story : This account was impacted by technical issues in my online banking system. Payments were made but processed late due to systemic issues. I provided documentation, yet the creditor refused to reinvestigate. The reporting is unfair and incomplete, harming my credibility as a borrower XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment Law : FCRA 1681c, 1681e ( b ) Story : This loan is closed and has been paid in full, yet late payments remain on record. This account should not reflect derogatory information post-closure. This misrepresentation creates a false narrative of delinquency and damages future lending decisions XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Issue : Charge Off Law : FCRA 1681s-2, 1681b Story : This charge-off is being reported while the account was actively in dispute and under review for fraudulent activity. I submitted fraud documentation and affidavits, but the bank ignored these communications. Reporting it as charged-off while in active dispute is misleading and in bad faith XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late Payment Law : FCRA 1681e ( b ), 1681c Story : This account is closed and has a {$0.00} balance, yet reflects derogatory late payments. This serves no legitimate purpose and creates a skewed risk profile for me. Late payments on closed, paid accounts only serve to punish the consumer without basis XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off Law : FCRA 1681s-2, 1681i Story : I had an agreement in place to resolve this debt and maintain current status, yet the servicer failed to properly record and report my compliance. This error caused a wrongful charge-off status to appear and has caused major denial of credit access XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b ( f ) Story : I did not authorize any application or transaction on this date with XXXX XXXX. This inquiry was done without my consent, resulting in a hard pull that lowered my credit score and was done in violation of federal law XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b, 1681c-1 Story : Repeated inquiries by this lender are unjustified and reflect a potential abuse of access. I did not authorize any transaction at this time, making this pull unlawful XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b Story : This credit pull was not initiated by me. I have had no dealings with this institution and no consent was provided. This unauthorized action damaged my credit XXXX XXXX XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law : FCRA 1681b Story : This repeated inquiry is part of a series of unapproved pulls by XXXX XXXX . These hard inquiries are hurting my credit score and reputation for reasons I did not initiate XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b Story : I did not authorize XXXX  XXXX to pull my credit on this date. This indicates either a clerical error or potential fraud that needs immediate correction XXXX XXXXXX/XX/XXXX Issue : Unauthorized Inquiry Law : FCRA 1681b Story : I did not initiate any loan or request for credit on this date with OneMain. I request this be immediately investigated and removed XXXX XXXX XXXX XX/XX/XXXX Issue : Duplicate Unauthorized Inquiry Law : FCRA 1681b Story : No relationship with this company justifies repeated inquiries. These actions violate my rights and privacy XXXX XXXX XXXX XX/XX/XXXX Issue : Repeated Unauthorized Inquiry Law : FCRA 1681b Story : Repeated credit access by this company without consent reflects a systemic failure in oversight and respect for consumer rights These repeated violations of my consumer rights have resulted in credit denials higher interest rates and emotional stress I have made multiple attempts to contact the reporting entities but they have failed to act in good faith or provide proof of permissible purpose or verification I request the CFPB investigate each of the above items enforce accountability and compel the involved parties to delete or correct the disputed entries according to FCRA 1681i and 1681s-2 I am also requesting punitive action for any willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o I am attaching a copy of my ID proof of current address and credit reports for reference Thank you for protecting consumers like me

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