Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding several inaccurate and unverified items being reported on my credit file by various furnishers. These entries are severely damaging my credit reputation and do not reflect accurate or verifiable information. 

1. Wrong Address Reporting The following incorrect address is appearing on my credit report : XXXX XXXX XXXX, XXXX XXXX, CA XXXX I have never lived at or been associated with this address. Reporting a wrong address creates potential identity confusion and violates the Fair Credit Reporting Act ( FCRA ) requirement for accurate consumer data reporting. 

2. Unverified Charge-Off Accounts The following charge-off accounts are being reported without proper verification or consumer authorization : XXXX CARD ( Account Ending XXXXXXXX XXXX XXXX ) High Balance : {$2600.00} Opened : XX/XX/XXXX XXXX CARD ( Account Ending XXXX XXXX XXXX  ) High Balance : {$9300.00} Opened : XX/XX/XXXX I have no knowledge of these accounts and have never opened or authorized them. Reporting them as charge-offs is a direct violation of FCRA 602 ( A ) and 623 ( A ) ( 1 ) ( A ), as the furnishers are reporting information that is not complete or accurate. I am requesting immediate verification or deletion of these accounts from my credit file. 

3. Incorrect Late Payment Reporting The following account is being inaccurately reported as having late payments : XXXX  XXXX ( Account Ending XXXX XXXX XXXX XXXX High Balance : {$2000.00} Opened : XX/XX/XXXX This reporting is false and misleading, as I have never made a late payment on this account. This constitutes a violation of FCRA 607 ( B ), requiring furnishers to maintain maximum possible accuracy. I demand an immediate correction to show a perfect payment history.

4. Unauthorized Hard Inquiry The following inquiry was made without my consent or authorization : XXXX XXXX XX/XX/XXXX This inquiry is not associated with any application or permission given by me. Such unauthorized access to my credit file violates FCRA 604 ( a ) ( 3 ), and I am requesting its immediate removal.

Requested Actions : Delete all unverified and unauthorized accounts listed above.

Remove the incorrect address from my credit profile. 

Correct the inaccurate payment history for XXXX  XXXX. 

Remove the unauthorized inquiry by XXXX XXXX. 

Provide me with written confirmation of all corrective actions taken. 

I have already attempted to resolve these inaccuracies directly with the credit bureaus and furnishers, but they have failed to properly investigate or verify the information. I am therefore requesting the CFPBs direct intervention to ensure full compliance with the Fair Credit Reporting Act and to protect my consumer rights. 

Thank you for your prompt attention to this matter. Please provide confirmation once this complaint has been reviewed and forwarded to the appropriate parties.

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