Consumer complaint received 2025-08-01 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
DISPUTED ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 611 & 607 ( b ) Issue : This address is inaccurate and does not belong to me Story : I have never resided at or used this address for any financial or identification purpose and its presence on my report is a clear indication of a mixed or merged file which can cause serious harm to my creditworthiness and financial identity DISPUTED ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 611 & 607 ( b ) Issue : This is not my residence and should not be tied to my consumer report Story : I have no known connection to this address and its continued reporting can mislead creditors and violate my rights under the FCRA by failing to ensure complete and accurate data DISPUTED ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 611 & 607 ( b ) Issue : This address is erroneous and was never associated with me Story : This listing is incorrect and may result from a file merge error or third-party furnishing mistake, and retaining this information violates my right to fair and accurate reporting DISPUTED ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Law : FCRA 611, 609 ( a ), 602 ( a ), 623 ( b ) Issue : This charge-off is inaccurately reported and unverifiable under FCRA Story : I dispute the validity and ownership of this account as there has been no sufficient verification provided that confirms my liability and consent, and the reported charge-off harms my credit and appears to be based on incorrect or incomplete data DISPUTED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 611, 609 ( a ), 602 ( a ), 623 ( b ) Issue : This charge-off account is not being reported with full accuracy and fairness Story : I request proper reinvestigation as this account shows a balance of {$0.00} but is still listed as a charge-off, which is misleading and unfair without proper validation and thorough investigation under the law DISPUTED ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Law : FCRA 611, 609 ( a ), 623 ( b ) Issue : This item remains unverified and improperly reported Story : I am requesting a detailed method of verification and original documentation to substantiate this charge-off claim, which to date has not been furnished in compliance with my rights under FCRA DISPUTED ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Law : FCRA 611, 623 ( b ), 609 ( a ) ( 1 ) Issue : The account balance shows {$0.00} but still reflects negative charge-off status Story : This misleading status damages my credit profile unjustly and needs to be corrected or removed as no clear evidence of default has been provided DISPUTED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 611, 623 ( b ), 602 ( a ) Issue : This account is outdated and not verified properly Story : I request a complete reinvestigation and removal due to lack of supporting documentation showing how this charge-off was calculated and verified, especially given the XXXX balance DISPUTED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 611, 609 ( a ), 623 ( b ) Issue : The charge-off is not substantiated with legally required documentation Story : I demand evidence that confirms the validity and details of this account including full payment history, contract, and proof of default as it is currently harming my credit unjustly DISPUTED ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Law : FCRA 611, 609 ( a ), 623 ( b ) Issue : Reporting lacks transparency and verification Story : This account continues to report negatively without furnishing the actual agreement, default history, or validation, thereby violating FCRA 's mandate for accurate and verifiable reporting DISPUTED ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA 611, 609 ( a ), 623 ( b ), 602 ( a ) Issue : Charge-off with {$0.00} balance is misleading and inaccurate Story : The reporting is unfair as it portrays a derogatory status despite XXXX balance and no provided proof of continued liability or default. This unjustly lowers my score and misrepresents my creditworthiness I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

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