Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which ensures my right to fair and accurate credit reporting. My credit file contains multiple false addresses, late payments, and an unauthorized hard inquiry. These items are inaccurate, unverifiable, and are causing serious financial and reputational harm. The furnishers and credit reporting agencies are in violation of FCRA 602 ( A ), 607 ( b ), 609 ( a ), and 611 ( a ) for failing to ensure maximum possible accuracy and failing to reinvestigate disputes properly. 
Wrong Addresses Reported ( Violation of FCRA 609 ( a ), 611 ( a ), and negligence under 623 ) XXXX XXXX XXXX XXXX XXXX, GA, XXXX Wrong Address This address is not mine. I have never lived here, never applied for credit using this address, nor maintained any account connected to this residence. Having this on my report gives the false impression of instability or that I may have used fraudulent information. When lenders and landlords see multiple addresses I never lived at, they assume potential fraud, which leads to denials. The presence of this wrong address has already forced me to explain myself in credit applications and delayed my approvals. This creates reputational damage, financial stress, and violates the principle of maximum possible accuracy under the FCRA. 
XXXX XXXX XXXX XXXX XXXX, GA, XXXX Wrong Address This wrong address is a particularly damaging entry because it creates the false appearance that I may be hiding past debts or fraud. Reporting addresses where I never lived makes my file look suspicious to creditors. In fact, during a loan application, I was specifically asked about this XXXX address, which embarrassed me and delayed the process. This demonstrates how inaccurate addresses directly harm me in real-life financial situations. 
Late Payment Accounts XXXX XXXX ( Acct : XXXX, Open Date : XX/XX/XXXX, High Credit : {$3400.00} ) Late Payment This account is showing late payments that I dispute. XXXX has never provided validation when I requested proof under my rights in FCRA 609 ( a ) ( 1 ). Reporting unverified late payments is reckless and damaging. Because of this inaccurate reporting, I was denied a store credit account and charged a higher interest rate on a personal loan. The reporting is not only false, but it also fails the legal standard of maximum possible accuracy required under FCRA 607 ( b ). These lates create a false narrative of irresponsibility that does not reflect my true payment history. 
XXXX XXXX ( Acct : XXXX, Open Date : XX/XX/XXXX XXXX XXXX High Balance : {$5000.00} ) Late Payment This account is reflecting late payments that are not accurate. I requested documentation, but XXXX XXXX failed to provide any. Reporting negative information without evidence is a violation of FCRA 611 ( a ), which requires reinvestigation and validation. Because of this false late payment, I was denied a credit card and forced to pay higher loan costs. These consequences show how harmful negligent reporting is to consumers. 
Unauthorized Inquiry XXXX XXXX / XXXX XXXX ( Inquiry Date : XX/XX/XXXX XXXX XXXX  ) Hard Inquiry This inquiry was not authorized by me. I never applied for a XXXX XXXX account on that date. Under FCRA 604 ( a ) ( 2 ), a hard inquiry requires permissible purpose and consumer consent. This inquiry is fraudulent or negligently placed, and it unfairly lowered my score. As a result, I lost access to favorable financing and was treated as a higher-risk borrower. This is harmful, unlawful, and must be removed immediately. 
Summary & Relief Requested The above items are false, unverifiable, and harmful. They represent clear violations of the Fair Credit Reporting Act ( FCRA ) by both furnishers and the credit bureaus. As a result, I have suffered : Denials of credit applications Higher interest rates on approved loans Lost refinancing opportunities Embarrassment and reputational damage during financial applications Emotional distress from repeated disputes being ignored I request the following remedies : 1. Immediate deletion of all wrong addresses.

2. Removal or correction of inaccurate late payment histories from XXXX XXXX, XXXX, and XXXX XXXX. 
3. Removal of the unauthorized XXXX XXXX hard inquiry. 
4. Written confirmation of reinvestigation results as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

5. Assurance of compliance to prevent future violations.

If these errors are not corrected, I am prepared to escalate this matter through litigation under FCRA 616 and 617, which provide for actual damages, statutory damages, punitive damages, and attorneys fees for negligent or willful noncompliance.

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