Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against several furnishers and credit reporting agencies ( Experian, XXXX XXXX ) for their ongoing and unlawful reporting of inaccurate, outdated, unverifiable, and duplicated information on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Despite multiple attempts to dispute these inaccuracies directly with the credit reporting agencies, the disputed items remain unresolved. Below is a detailed list of the false information that continues to cause me harm. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Wrong Address This address is falsely listed on my credit report. I have never lived at or been affiliated with this address in any personal, financial, or legal capacity. The presence of this incorrect address may have resulted from a mixed file or identity error.

Issue : Inaccurate reporting violating FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. 
Story : Due to this incorrect address, I have experienced unnecessary delays in housing and employment verifications. This error has caused undue emotional stress and reputational harm. I respectfully request this address be permanently removed. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Wrong Address This residence is unfamiliar and not associated with me. 
Issue : Reporting false personal identifiers contradicts FCRA 602 ( a ), which aims to assure accuracy and fairness. 
Story : I was denied a line of credit because of this misreporting. I urgently request this address be removed from all records. 
XXXXXXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Credit : {$10000.00} Charge Off This charge-off is inaccurate and improperly reported. No final billing or validation of debt was provided. 
Issue : This is a violation of FCRA 611 and 623 ( a ) ( 5 ). 
Story : Due to this entry, I was denied a mortgage pre-approval despite having a stable income and no defaulted debt. The psychological stress of being labeled high-risk was overwhelming. I respectfully demand validation of this account or immediate deletion. 
PERSONAL IMPACT AND DAMAGES : The continued reporting of these false addresses and inaccurate accounts has led to : Denial of rental housing applications Rejection for credit cards and car financing Emotional distress and anxiety Employment screening concerns Credit score damage resulting in higher insurance premiums Despite my formal disputes, no reasonable reinvestigation has occurred. Under FCRA 1681i ( a ), credit reporting agencies must complete a reinvestigation within 30 days and remove or correct any item found to be inaccurate or unverifiable. That has not been done in my case. 
RELIEF REQUESTED : I respectfully request that the CFPB : 1. Investigate the above-listed accounts and wrong addresses 2. Require the credit bureaus to provide verification or delete the items 3. Enforce my right to accurate credit reporting 4. Require all furnishers involved to provide documentation validating the reported accounts 5. Penalize the furnishers and credit bureaus for willful or negligent violations of the FCRA/FDCPA

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