Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for ongoing violations of the Fair Credit Reporting Act after Experian failed to maintain maximum possible accuracy, failed to conduct a reasonable reinvestigation, and continued to report inaccurate, misleading, and unverified information in my consumer credit file despite being properly notified of these errors. Experian is reporting addresses that have never belonged to me, including XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and I have never lived at, received mail at, or been associated with these locations in any capacity, which demonstrates file contamination and a direct violation of FCRA 607 ( b ). Experian is also reporting multiple accounts with false late payment histories, including XXXX opened on XX/XX/XXXX, XXXX XXXX  opened on XX/XX/XXXX and XX/XX/XXXX, and XXXX  XXXX XXXX opened on XX/XX/XXXX, and I was never late as reported on these accounts, making the derogatory information inaccurate, misleading, and unsupported by any payment history or documentation provided to me, in violation of FCRA 607 ( b ) and 611 ( a ). In addition, Experian is reporting several charge-off accounts that I do not recognize, did not open, and have no knowledge of, including XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX  opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, and XXXX XXXX opened on XX/XX/XXXX, and Experian has never provided any signed contracts, applications, or lawful proof establishing that I am responsible for these alleged debts, making the continued reporting of these charge-offs unlawful under FCRA 609 ( a ) and 611 ( a ). Experian is further reporting multiple collection accounts that are not mine and have never been properly validated, including XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, and XXXX opened on XX/XX/XXXX, and I do not recognize these alleged obligations and no validation or proof of liability has ever been provided, yet Experian continues to publish these unverified collections in violation of FCRA 611 ( a ). Experian is also reporting unauthorized credit inquiries from XXXX XXXX dated XX/XX/XXXX , XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX  dated XX/XX/XXXX, and XXXX XXXX XXXX dated XX/XX/XXXX, none of which were authorized by me or supported by permissible purpose, causing unnecessary damage to my credit profile in violation of the FCRA. I previously disputed these inaccuracies directly with Experian, clearly identifying each issue, yet instead of conducting a reasonable, good-faith, manual reinvestigation as required by law, Experian appears to rely on automated processes and furnisher responses without independent verification, resulting in continued inaccurate reporting, credit denials, and financial harm. I am requesting CFPB intervention to require Experian to immediately delete the inaccurate addresses, remove or correct all false late payment histories, delete all unverified charge-off and collection accounts, remove all unauthorized inquiries, provide me with an updated and accurate credit report, and fully comply with its obligations under the Fair Credit Reporting Act, as Experians conduct demonstrates negligent and potentially willful noncompliance 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