Consumer complaint received 2025-11-18 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 several accounts and inquiries being reported about me are inaccurate, unverified, and violate FCRA 602, 604, 607 ( b ), 609, and 611. Despite multiple attempts to resolve these errors with the credit bureaus, they have continued reporting information without providing any proof or conducting a lawful reinvestigation. This has caused financial harm, denials, and stress. I am requesting CFPB assistance to enforce a proper reinvestigation and deletion/correction of each item listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have never lived at this address and it violates FCRA 602 and 607 ( b ) because you can not verify an address I never used. Remove it immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived at this location and you are reporting it without any factual or verifiable residency record. Under FCRA 602, 607 ( b ), and 611 you are required to delete inaccurate identifying information that can not be validated. Remove this address immediately. 

XXXX XXXX Account XXXXXXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} LATE PAYMENT * * I have never made any late payment on this account. Reporting delinquency without proof violates FCRA 607 ( b ), 611, and 623. Correct the payment history to never late. 

XXXX Account XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$210000.00} LATE PAYMENT * * These late payments are false and unverified. Under FCRA 607 ( b ) and 623 you can not report delinquency without authenticated records. Correct the history now. 

XXXX XXXX Account XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$490.00} LATE PAYMENT * * I was never late and you are reporting inaccurate delinquency. FCRA 611 and 623 ( a ) ( 1 ) ( A ) prohibit reporting unverified late payments. Update to show on-time history only. 

XXXX Account XXXX * Date Opened XX/XX/XXXX Balance {$2200.00} CHARGE OFF * * I have no knowledge of this account and you can not verify it. Under FCRA 602, 607 ( b ), 609, 611, and 623 you must delete any charge-off lacking full documentation. Remove this item. 

XXXXXXXX XXXX Account XXXX Date Opened XX/XX/XXXX Balance {$20000.00} LATE PAYMENT * * I never missed any payment and the delinquency you show violates FCRA 607 ( b ) and 623. Correct the history to show never late. 

XXXX Account XXXX * Date Opened XX/XX/XXXX Balance {$0.00} CHARGE OFF * * I have no knowledge of this account and you can not provide verification. Under FCRA 602, 609, and 611 you are required to delete unverified charge-off data. 

XXXXXXXX XXXX Account XXXX * * Date Opened XX/XX/XXXX Balance {$16000.00} LATE PAYMENT * * These late payments are inaccurate. FCRA 607 ( b ) and 623 prohibit reporting any delinquency that can not be proven. Update this account to never late. 

XXXX XXXX XXXX Account XXXX * Date Opened XX/XX/XXXX Balance {$2300.00} CHARGE OFF * * I do not recognize this account and no proof has been provided. FCRA 602, 607 ( b ), 609, and 611 require deletion of unverifiable charge-off reporting. 

XXXX Account XXXX Date Opened XX/XX/XXXX Balance {$3300.00} CHARGE OFF * * I have no knowledge of this account. Under FCRA XXXX ( b ), XXXX, and XXXX any negative account without proper validation must be deleted. 

XXXX XXXX  Account XXXX * Date Opened XX/XX/XXXX Balance {$2300.00} COLLECTION * * I do not recognize this account and you can not verify ownership. Under FCRA 609 and 611 you must delete all unverified collection entries. 

XXXX  XXXX Account XXXX * Date Opened XX/XX/XXXX Balance {$2500.00} COLLECTION * * This is an unknown account and unverified third-party data. Under FCRA 602, 607 ( b ), 609, and 611 delete this immediately. 

XXXX XXXX Account XXXX Date Opened XX/XX/XXXX Balance {$1200.00} COLLECTION * * I have no knowledge of this account and no contract exists. Under FCRA 607 ( b ), 609, and 611 delete this unverifiable collection. 

I am requesting CFPB intervention to require the credit bureaus and furnishers to provide legally required documentation under 609 and to conduct a full reinvestigation per 611. Any item that can not be verified must be deleted immediately.

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