Consumer complaint received 2025-07-24 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:
Dear CFPB Officer, I am filing this formal complaint because multiple inaccurate and misleading items are being reported on my credit file by various furnishers and credit reporting agencies. These entries include incorrect addresses, unjustified late payments, unauthorized inquiries, and a collection account that has not been validated. These errors are violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and they are seriously damaging my creditworthiness. 
I have attempted to resolve these issues directly with the credit bureaus, and this is now my second dispute attempt. Despite my efforts, the false information remains. I am requesting the CFPB to intervene and hold these furnishers accountable for their violations. Below are the detailed items in dispute : XXXXXXXX XXXX XXXX XXXX, MI XXXX Issue : This address is inaccurate and I have never resided at this location. 
Law : Under FCRA 1681e ( b ), the credit bureau must maintain " maximum possible accuracy. '' Story : Including this wrong address on my credit report has caused repeated verification failures when applying for loans and rental housing. It raises red flags during background checks and implies identity confusion or file mixing, which can associate me with accounts I never opened. This is not only stressful but also poses a security threat. I demand this be permanently removed. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : This address was never mine. 
Law : In accordance with FCRA 602A, consumers are entitled to accurate and private reporting.

Story : Having this address listed is misleading and might have contributed to the wrongful linking of accounts to my report. Such misinformation hinders my ability to obtain fair credit evaluations. I want this removed as it is harmful, false, and completely unrelated to my identity. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX Issue : Marked late even after the account was settled. 
Law : Violates FCRA 611, which entitles consumers to dispute and correct wrong information.

Story : I was never notified about any delinquency, and the reporting was done without sufficient evidence or warning. I responsibly managed this account, and a false late payment report has unjustly lowered my credit score. I demand reinvestigation and permanent deletion of this inaccurate record.

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$38.00} XXXX XXXX Issue : Reported late payment on a small balance account. 
Law : Under FCRA 602 ( b ), consumer reporting should be fair and reasonable.

Story : Reporting a late payment for a {$38.00} balance is excessive and punitive. I was never given proper reminders, and such small amounts should be resolved with notice, not punishment. This has negatively impacted my credit profile and should be corrected immediately. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$140.00} XXXX XXXX Issue : Wrongfully marked late payment. 
Law : Per FCRA 1681s-2 ( b ), furnishers must investigate disputed data.

Story : I never received a due notice before being marked late. I always paid on time or within grace periods. This appears to be an automated or clerical error, yet it has real consequences on my credit. I request verification documents or complete removal. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Issue : Late payment reporting without notification. 
Law : XXXX FCRA XXXX ( a ) ( XXXX ) ( A ), data furnishers must provide accurate information. 
Story : This lender failed to inform me of any delinquency, nor did they make any contact attempt. I was unaware of any issue until the damage was done. Their lack of communication caused avoidable harm. Please remove this derogatory mark from my report.

XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Issue : Account in collections without validation. 
Law : Under FDCPA 809 ( a ) and FCRA 623 ( a ) ( 3 ), debt collectors must notify consumers and validate debt before reporting.

Story : I never received any letter or notice regarding this debt before it was reported. No chance was given to validate or dispute it. Reporting it directly to the bureau is unlawful and unethical. This needs to be removed immediately until full validation is provided. 
XXXX XXXX  XXXX : Suspicious inquiry combination. 
Law : FCRA 604 requires transparency and purpose for all inquiries.

Story : This appears to be a coordinated inquiry with XXXX XXXX  and XXXX, none of which I approved. These entities may be sharing my data unlawfully. I want this removed and further inquiry logs disclosed. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry done without notice or authorization. 
Law : FCRA 609 ( a ) ( 1 ) gives me the right to know who accessed my report and why.

Story : I did not apply for any XXXX XXXX XXXX  product. Their access is unauthorized and has caused score drop. I request proof of consent or immediate deletion. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized access to my credit file. 
Law : FCRA 604 ( b ) prohibits unapproved inquiries.

Story : This inquiry occurred without any account application or loan request from me. This is not only unauthorized but potentially fraudulent. Please delete this inquiry and investigate the source.

Relief Requested : Immediate deletion of all incorrect addresses Correction or removal of all false late payments Full validation or deletion of the collection account Removal of all unauthorized inquiries A complete reinvestigation by all involved furnishers Documentation of all investigations and actions taken I am submitting this complaint because these violations are harming my credit, financial opportunities, and personal reputation. I request the CFPB to hold the reporting agencies and furnishers accountable and ensure these matters are fully resolved. 
Thank you for your time and assistance.

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