Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against Experian for their failure to maintain accurate, complete, and verifiable information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my good-faith attempts to dispute the information directly with Experian, XXXX have failed to conduct proper reinvestigations, and the inaccurate information remains on my report, causing continuous harm to my credit profile. 

Summary of XXXX by Experian : Reporting multiple inaccurate addresses not associated with me. 

Failing to validate or remove charge-off and collection accounts despite dispute. 

Continuing to report late payments despite existing payment arrangements or inaccuracies. 

XXXX unauthorized hard inquiries without permissible purpose. 

Ignoring legal requirements under FCRA XXXX ( a ), XXXX ( a ) ( XXXX ), XXXX ( b ), and the FDCPA XXXX ( b ). 

Disputed Items and Issues : XXXX. Inaccurate Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Issue : I have never lived at these addresses. These are not part of my credit profile and should have been removed upon request. 
XXXX Violated : FCRA XXXX ( b ) XXXX. Inaccurate or Unverified Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Issue : These accounts are inaccurate, unverifiable, or were never validated after my formal disputes. Some are duplicate entries or do not belong to me. 
Laws Violated : FCRA XXXX ( a ) ; FDCPA XXXX ( b ) XXXX. Inaccurate Payment History : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments * * Issue : I had a deferral/hardship arrangement, and the reported late payments are misleading and damaging. 
XXXX Violated : FCRA XXXX ( b ) ; FCRA XXXX ( a ) XXXX. Unauthorized Inquiries : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Issue : I did not XXXX XXXX companies to pull my credit. These inquiries were made without a permissible purpose. 
XXXX Violated : FCRA XXXX ( a ) ( XXXX ) XXXX Requested : XXXX removal of all inaccurate addresses from my Experian credit file. 

Deletion of all unverifiable or inaccurate accounts listed above. 

Removal of all unauthorized XXXX  inquiries that lack permissible purpose. 

Full reinvestigation of all items with supporting documentation mailed to me. 

XXXX compensation for damages caused by credit denials, high-interest rates, and XXXX XXXX resulting from these inaccuracies. 

I am requesting the CFPB to investigate Experians failure to comply with federal law and ensure that they are held accountable. These errors have significantly impacted my financial stability and reputation. I have attached supporting documentation and a copy of my credit report for your review. 

Thank you for your attention to this matter.

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