Consumer complaint received 2025-10-16 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:
I am submitting this formal complaint against several credit reporting violations that are directly harming my credit profile, financial standing, and personal integrity. The information being reported is inaccurate, unverifiable, and misleading, and therefore violates my rights under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ). 

The specific inaccurate and unlawful items are as follows : XXXX XXXX XXXX XXXX, NJ XXXX Wrong Address This address is not mine and has never been associated with me. Its continued reporting is a violation of FCRA XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 

XXXX Account XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Reported Late Payment This account is reporting late payments inaccurately. The late payment history is false, damaging, and unverifiable. This constitutes a violation of FCRA XXXX ( failure to conduct proper reinvestigation ) and XXXX ( b ) ( failure to ensure maximum accuracy ). 

XXXX  XXXX BANK Account XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Reported Late Payment The alleged late payment reporting is false, misleading, and lacks supporting documentation. This constitutes inaccurate reporting under FCRA and causes unjustified harm to my creditworthiness. 

XXXX XXXX BANK / XXXX Account XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Reported Late Payment This entry is reported with negative payment history that is not accurate and has not been validated. The reporting creditor and bureaus are in violation of FCRA requirements to maintain accurate information. 

Legal Basis of Complaint : Under FCRA XXXX, I have the right to dispute any information on my credit report that I believe to be inaccurate, and credit reporting agencies must promptly investigate and remove unverifiable data. 

Under FCRA XXXX ( b ), agencies must ensure the maximum possible accuracy of the information furnished. Clearly, these items fail to meet that standard. 

Continuing to report this false and unverifiable data is a direct violation of federal law and constitutes willful non-compliance. 

Requested Action : I demand that the CFPB take immediate action to enforce my consumer rights by : Ordering the removal of the wrong address listed above. 

Ordering the deletion or correction of all false late payment histories reported by XXXX, XXXX  XXXX BANK, and XXXX XXXX XXXX XXXX 

Requiring the furnishers and reporting agencies to provide full documentation proving the accuracy and validity of these entries, or otherwise delete them immediately. 

This inaccurate reporting has already caused severe harm to my credit standing, limited my access to credit, and created unnecessary financial hardship. I expect swift and strict enforcement of federal law in this matter.

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