Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint due to numerous and repeated violations on my credit reports that have caused me emotional distress, financial harm, and potential exposure to identity theft. I am disputing incorrect personal address, inaccurate payment history, and multiple unauthorized hard inquiries. These entries are severely damaging my creditworthiness and were not corrected despite previous efforts. 
XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Wrong Address Issue : This address has never been associated with me. 
Law Violated : FCRA Section 605B identity theft procedures.

Story : I live in another state and have never even visited XXXX. This misreporting indicates possible file pollution. I was nearly denied a car loan because of the confusion this address created. 
XXXX XXXX XXXX XXXX, OH XXXX Wrong Address Issue : Erroneous and damaging information. 
Law Violated : FCRA Section 611 reinvestigation of disputed info. 
Story : Ive never lived in Ohio, nor do I have relatives there. Including this address implies fraudulent activity and severely affects my credit profile. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Duplicate Entries ) Issue : Same account reported three times under different names, all showing late payments.

Law Violated : FCRA Section 623 ( a ) ( 5 ) accurate furnishing of data.

Story : Reporting the same loan multiple times magnifies its negative impact. These duplicates mislead lenders and artificially deflate my credit score. This is clearly against the law and deceptive in nature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Charged off without noting my attempts to settle. 
XXXX Violated : FCRA Section XXXX ( a ) ( XXXX ). 
Story : I lost my job during XXXX and contacted XXXX XXXX for a hardship program. I was ignored, and my account was charged off without fair notice. My intention was never to default, and this report misrepresents the situation. 
XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Issue : Charged off with no warning or final billing statement. 
Law Violated : FCRA Section 604 ( a ) ( 3 ).

Story : This account is also from XXXX XXXX. I believe my notices went to the wrong address listed on file. I was completely unaware of the status until I reviewed my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : Late payment reported despite hardship explanation. 
Law Violated : FCRA Section 623 ( a ) ( 2 ), FACTA.

Story : I experienced job instability in 2022 and missed one payment. I immediately resumed payments and asked XXXX XXXX to update the report. They refused, and it remains an unfair blemish on my credit. 
XXXX  ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Issue : Reported late despite autopay setup.

Law Violated : FCRA Section 611.

Story : I had automatic payments active. One month the payment didn't go through due to a system error, and I was unfairly penalized. XXXX refused to correct it even after evidence was shown. 
XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Issue : Ignored my hardship request, charged off loan.

Law Violated : CARES Act Section 4021.

Story : I lost income during the pandemic and requested deferral. XXXX never responded and charged off the loan. This contradicts federal protections provided during XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Charge Off Issue : Voluntary surrender misreported as charge-off. 
Law Violated : FCRA Section 623.

Story : I returned the car due to financial strain under mutual agreement. It should have been listed as a voluntary surrender, not a charge-off. This mistake hurts my credit standing unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Off Issue : No response to payment plan offer.

Law Violated : FDCPA and FCRA. 
Story : I contacted Virginia FCU to request payment flexibility. They ignored me and charged off the account. This aggressive behavior caused lasting credit damage. 
XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX Charge Off Issue : Failure to validate debt or offer assistance. 
Law Violated : FCRA Section 809 ( a ). 
Story : I sent a hardship letter and received no reply. My account was charged off without resolution options, which is unethical and possibly illegal. 
XXXX XXXX XXXX ( Acct # : XXXX XXXX ) XXXX XXXX Collection Issue : Failed to validate debt after request. 
Law Violated : FDCPA Section 809, FCRA 605 ( c ).

Story : I submitted a debt validation request. They never responded but continued to report. This violates my consumer rights and misleads future creditors. 
I am requesting that the CFPB investigate these violations of the Fair Credit Reporting Act. I have suffered financial harm, emotional stress, and fear of identity theft due to these false, outdated, or unauthorized credit entries. I respectfully demand deletion of the wrong address, removal or correction of inaccurate accounts, and removal of all unauthorized hard inquiries listed above. I am attaching identification documents and supporting dispute materials with this submission.

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