Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple accounts inaccurately reported on my credit file. The items listed below are reporting in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts contain late payment notations, charge-offs, and collection statuses that are either inaccurate, unverifiable, or outdated. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address Issue : I have no association with this address in any way. 
Law : FCRA 611 ( a ) Inaccurate information must be corrected or deleted after a dispute. 
Story : Having this address listed creates a false narrative about my residential history and increases the possibility of identity theft. If my credit file is linked to a residence I have never occupied, it allows fraudulent activity to be mistakenly attributed to me, which could cause lasting financial harm. This is an unacceptable risk and a clear violation of consumer rights. 
XXXX XXXX XXXX XXXX, PA XXXX Wrong Address Issue : I have never lived at this address and it should not be connected to my name. 
Law : FCRA 607 ( b ) Credit bureaus must follow reasonable procedures to assure maximum accuracy. 
Story : If this address remains, it can lead to mixed file errors where other peoples accounts, collections, or public records are attached to my report. This has the potential to cause wrongful denials for credit, higher interest rates, and unfair treatment in employment background checks. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXssue : The charge-off was reported despite an active payment arrangement that should have prevented such a status. 
Law : FCRA and FDCPA 807 ( 8 ) Misrepresentation of the character, amount, or legal status of a debt is prohibited. 
Story : Reporting a charge-off while a repayment plan is in place is deceptive and harmful. It unfairly suggests that I abandoned my financial responsibility, when in reality I was actively resolving the debt. This misrepresentation damages my reputation with creditors and creates unnecessary financial barriers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The charge-off is unverified, and no proof of debt or payment history has been provided. 
Law : FCRA 611 ( a ) ( 1 ) Inaccurate information must be deleted unless it can be verified. 
Story : Without documentation, this account should not appear on my credit report. The presence of unverifiable negative information undermines the accuracy of my report and violates my rights as a consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The reporting is inaccurate and unverified. 
Law : FCRA 623 ( b ) Furnishers must investigate disputed information. 
Story : I have requested verification multiple times without any response. This lack of evidence shows that the reporting is baseless and must be removed to restore accuracy to my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Issue : This account was never in default but is falsely listed as a charge-off. 
Law : FDCPA 807 Misleading collection activities are prohibited.

Story : This is an intentional misclassification that paints me as an irresponsible borrower. Such false reporting harms my credit score, reputation, and ability to secure future credit. 
XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection Issue : No validation documentation has been provided. 
Law : FDCPA 809 Debt collectors must provide verification of the debt. 
Story : I have sent written requests for validation, but none have been honored. Without proof, this collection is unsubstantiated and illegal to report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : No verification provided. 
Law : FCRA 611 All disputed information must be verified or deleted.

Story : The creditor has failed to respond to multiple verification requests, meaning this negative entry is unsubstantiated and must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account not mine. 
Law : FDCPA 807 ( 8 ) Prohibits false credit reporting.

Story : This appears to be a clear case of mistaken identity or file merging. I should not suffer damage to my credit for an account that does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Balance is XXXX but still reported as a charge-off. 
Law : FCRA 1681e ( b ) Reports must be maximally accurate. 
Story : Reporting a charge-off after a balance is paid is misleading and punitive. This error sends the wrong message to lenders and should be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unverified and inaccurate. 
Law : FCRA 623 Information must be accurate and verifiable. 
Story : Keeping unverified derogatory information on my file is damaging and violates my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Issue : False reporting after account closure. 
Law : FDCPA 807 Misleading credit information is prohibited.

Story : This entry creates the false impression that I defaulted after account closure, which is impossible and deceptive. 
XXXX XXXX  XXXX / XXXX XXXX XXXX  PA XXXX Bankruptcy Issue : I have never filed for bankruptcy. 
Law : FCRA 605 Prohibits reporting of inaccurate public records.

Story : This is a serious misreporting that can destroy my financial standing, leading to automatic denials for credit, housing, and employment. 
Inquiries ( XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Issue : I did not authorize these hard inquiries.

Law : FCRA 604 ( a ) ( 2 ) Hard inquiries require consumer consent.

Story : Unauthorized inquiries lower my credit score and create the impression that I am frequently seeking credit, which lenders may view as risky behavior. These should be removed immediately to restore the accuracy of my credit report.

Summary of Damages & Request for Action The above accounts contain serious reporting errors that are misleading, unverifiable, and in direct violation of federal consumer protection laws. These inaccuracies have resulted in credit denials, higher interest rates, and reputational harm. I am requesting that the CFPB investigate these violations and compel the furnishers and credit bureaus to : 1. Conduct a proper reinvestigation as mandated by FCRA 1681i ( a ).

2. Remove any information that can not be verified with documented evidence. 
XXXX. Correct all misleading account statuses that misrepresent my payment history or current obligations. 
I am providing this complaint to ensure that my rights under the FCRA and FDCPA are upheld and that all inaccurate, incomplete, and unverified information is permanently removed from my credit reports.

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