Consumer complaint received 2025-08-25 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 ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 


ADDRESS XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA Section 607 ( b ) requires credit bureaus to delete inaccurate addresses Issue : This is a false variation of the previous address and is not my residence Story : This extended address does not exist in my history, I have never resided at this address, and it creates confusion when lenders review my report. Leaving this inaccurate address on file makes it appear that I have lived in multiple places where I have never been, which is highly misleading and harmful to my financial stability Instruction : Delete this incorrect address immediately from my credit profile ACCOUNT XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} Late Payment Law : FCRA Section 611 ( a ) requires credit bureaus to reinvestigate disputed items and Section 609 requires proof of accuracy Issue : Late payment reporting is inaccurate and damaging Story : This account is showing late payments that are not accurate. I have reviewed my records, and they do not reflect the late payments that are being reported. This error has severely impacted my creditworthiness, leading to higher interest rates and loan denials. Without proper verifiable proof from the furnisher, these lates can not legally remain on my report Instruction : Reinvestigate and remove or correct the inaccurate late payment history immediately ACCOUNT XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late Payment Law : FCRA Section 611 and Section 609 give me the right to dispute and request verification Issue : Late payment history is inaccurate Story : I dispute the lates being reported because no signed agreement, billing statements, or payment history have been provided to validate the accuracy of these late payments. Reporting negative information without proof is misleading and unlawful. This account is preventing me from getting fair financial opportunities Instruction : Provide full validation of the late payments or remove the accounts negative history immediately ACCOUNT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX   Balance : {$0.00} Late Payment Law : FCRA Section 607 ( b ) requires accuracy in reporting Issue : A closed account with a {$0.00} balance should not continue reporting late payments Story : This account is showing late payments even though the balance is closed and XXXX. Continuing to report derogatory information on a closed account is misleading, unfair, and creates the impression that I am still delinquent when I am not. This is inaccurate and harmful to my profile Instruction : Correct or delete the late payment history on this account immediately INQUIRY XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 3 ) requires inquiries to be authorized by the consumer Issue : Unauthorized inquiry Story : I never applied for new credit with XXXX XXXX XXXX on this date. This inquiry is inaccurate, unauthorized, and unfairly lowers my credit score. It misrepresents my credit activity and violates my right to privacy under the FCRA Instruction : Delete this inquiry immediately from my credit report I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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