Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws are being violated. The credit bureaus and furnishers have failed in their duty to ensure maximum possible accuracy of my credit report under FCRA 602 ( A ), 607 ( B ), and 611, and they have also allowed unverifiable and outdated information to remain. These errors have caused me significant harm, including damage to my creditworthiness, emotional distress, and denial of financial opportunities. I am demanding that these inaccurate items be removed immediately after proper reinvestigation as required by law. 

Wrong Addresses XXXX XXXX XXXX, MI XXXX Law : FCRA 1681c, 1681e ( b ).

Issue : This is not my residence.

Story : Associating me with this address that I never lived at is harmful because it creates the impression that I may have ties or obligations connected to a property I have no relationship with. Wrong addresses can cause confusion in credit decisions, delay approvals, and open the door for potential fraud. Under federal law, you are required to ensure maximum possible accuracy, and by leaving this address in my file, you are failing your duty. 

XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 1681i.

Issue : Wrong variation of disputed address.

Story : This address is a variation of another incorrect listing, yet it still remains on my credit report. This demonstrates that the bureau has not carefully reviewed my disputes but instead allowed a slightly altered false address to remain. This not only undermines my trust in your reinvestigation process but also places me at risk of being connected to fraudulent or unrelated accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Law : FCRA 1681b, 1681e ( b ).

Issue : Address unrelated to me. 
Story : I have never lived in Texas, and there is no lawful basis for attaching this address to my file. Wrong addresses can link me to debts or records that are not mine, unfairly harming my credit profile. FCRA requires the bureau to take all precautions to maintain only accurate identifiers. This repeated error shows a serious failure to uphold your statutory duty to protect consumers. 

Accounts XXXX  XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.0XXXX XXXX XXXX  Law : FCRA 623, 1681e ( b ).

Issue : False late payments.

Story : This account is reporting derogatory late payments that are inaccurate. XXXX XXXX has not provided any proof of proper verification, and without that, your bureau has no right to continue publishing this negative information. By leaving unverifiable late marks in my file, you are damaging my financial standing and creating barriers to credit opportunities. Such false reporting is both unlawful and reckless. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FDCPA 809 ( b ), FCRA 1681e ( b ).

Issue : Charge-off not validated.

Story : This alleged debt remains on my file without complete proof of balance, ownership, or legitimacy. The FDCPA requires validation of debts, and the FCRA requires only accurate reporting. By keeping this unverifiable charge-off, your agency is violating both statutes. This charge-off has harmed my ability to obtain credit, rent housing, and maintain fair financial opportunities. Without proper validation, this account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Law : FCRA 1681e ( b ), 1681i. 
Issue : Inaccurate late payment history. 
Story : This account is reported with derogatory late payments that have not been verified by the furnisher. By law, unverifiable derogatory data must be deleted. Yet, the bureau continues to allow this harmful, misleading reporting. This is damaging my financial credibility and forcing me into higher risk categories when applying for credit. Such willful disregard for accuracy is a violation of consumer protection law. 

Inquiries XXXX XXXX XXXX  XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ).

Issue : Unauthorized inquiry.

Story : This inquiry was not authorized by me, and there is no permissible purpose under the FCRA for its presence. Each unauthorized inquiry unfairly lowers my credit score and creates the appearance that I am applying for credit when I am not. This misrepresentation harms my reputation and violates my right to privacy. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take enforcement action and ensure these violations of the Fair Credit Reporting Act are corrected immediately. The presence of these wrong addresses, inaccurate late payments, an unverifiable charge-off, and unauthorized inquiries violates my rights under FCRA 602 ( A ), 607 ( B ), 611, 623, and 604. I demand a full reinvestigation of each item and the permanent deletion of unverifiable or inaccurate information. If these violations are not corrected, I am prepared to escalate further with legal action.

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