Consumer complaint received 2025-12-03 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 because my credit file contains multiple inaccurate addresses and several accounts reported with incorrect, unverified information. These errors violate the FCRA requirements for maximum possible accuracy and proper verification. I already disputed these items, yet they remain on my report without any supporting documents. I am requesting CFPB involvement because these failures have damaged my credit and denied me fair access to financial opportunities. 

ADDRESSES XXXX XXXX LA XXXX XXXX XXXX, TX XXXX This address does not belong to me and was never associated with my residency, identity, or any lawful credit transaction. Under 15 USC 1681e ( b ), a credit bureau must maintain maximum possible accuracy. Retaining an address that can not be verified violates this requirement because it attaches unrelated activity to my file. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not tied to me in any lawful or verifiable way. Continued reporting ignores reinvestigation duties under 15 USC 1681i since this data can not be validated with any documentation from me. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has no relationship to my identity. It must be deleted because it creates inaccurate associations and violates 15 USC 1681e ( b ) by failing to maintain a strictly correct consumer file. 

ACCOUNTS XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge-off Balance : {$410.00} * * I have no knowledge of this account and never opened it. A charge-off reported without a legitimate consumer relationship violates 15 USC 1681e ( b ) because unverifiable accounts destroy accuracy, and under 15 USC 1681i you must delete any account that can not be validated through proper investigation. 

XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Late Payment Balance : {$100000.00} * * The late-payment history reported is false because I have never been late on this account at any time. Reporting delinquency without proof violates 15 USC 1681e ( b ) and you can not retain late-payment information that fails verification. 

XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Collection Balance : {$120.00} * * I have no knowledge of this collection account and never had any contract or obligation with this company. Reporting a collection without proof violates 15 USC 1681b due to lack of permissible purpose and must be deleted under 1681i because an unverifiable debt can not remain. 

XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Late Payment Balance : {$0.00} * * The late-payment information is inaccurate because I have never made a late payment on this account. Under 15 USC 1681e ( b ) and 1681i, you are required to correct inaccurate payment history that can not be validated through proper documentation. 

These items remain on my report without proper verification, causing financial harm and preventing fair access to credit. I am requesting immediate CFPB action to enforce corrections or removals and ensure compliance with federal law.

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