Consumer complaint received 2025-06-23 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:
To Whom It May Concern, I am filing this complaint against Experian for their continued failure to report accurate and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 
Despite multiple attempts to correct these inaccuracies, Experian has not fulfilled their legal obligation under FCRA 1681i ( Reinvestigation of Disputed Information ) and FCRA 1681e ( b ) ( Maximum Possible Accuracy ). These errors are causing substantial harm to my creditworthiness and financial wellbeing. 
Incorrect Addresses Being Reported The following addresses are inaccurately listed on my Experian credit report and are not affiliated with me at any time. These are clear violations of FCRA 1681e ( b ) : XXXX XXXX XXXX, XXXX, TX XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS Issue : These addresses are completely unfamiliar, and their continued presence on my file indicates gross negligence by Experian in verifying address data. This may indicate possible file mixing, identity confusion, or outdated data retention practices. 
Accounts with Errors and Violations XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1600.00} | Status : Charge-Off * * Issue : This account is inaccurately reported as a charge-off without validating or verifying the accuracy of the debt. 
FCRA Violation : 1681i ( a ), 1681e ( b ) Story : I have disputed this entry multiple times. I have not received any validation of debt from the furnisher or Experian. Continued reporting without proper investigation violates the law and damages my credit profile. 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$5600.00} | Status : Late Payment * * Issue : This account is reporting multiple late payments even though I was under deferment and forbearance protections as part of the federal program.

FCRA Violation : 1681s-2 ( a ), 1681i Story : I requested documentation to support the reporting of these delinquencies, but no response was provided. This account must be reviewed and updated accurately, or removed. 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$8000.00} | Status : Late Payment * * Issue : Incorrect late payments while under COVID-19 administrative forbearance. 
FCRA Violation : 1681c ( a ) ( 4 ), 1681e ( b ) Story : These lates are unjust and inconsistent with federal guidance on student loan reporting during the XXXX XXXX relief. I request correction or deletion immediately. 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1700.00} | Status : Late Payment * * Issue : This account shows repeated delinquencies without giving me the right to dispute or validate. 
FCRA Violation : 1681i, 1681s-2 Story : The reporting is inaccurate. No verification or communication from Experian or the data furnisher has been provided. This is damaging and unlawful. 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1400.00} | Status : Late Payment * * Issue : Data reported is outdated and may exceed reporting limits.

FCRA Violation : 1681c ( a ) ( 5 ), 1681e ( b ) Story : I was never properly notified of this delinquency, and no verification has been supplied. I request its immediate deletion or update to reflect accurate and lawful data. 
XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$2200.00} | Status : Late Payment * * Issue : Incorrect late payment reporting no default or late notices were issued to me. 
FCRA Violation : 1681i, 1681e ( b ) Story : The servicer failed to report accurately during periods of forbearance. I have documentation showing I was not delinquent. Experians failure to correct is willful negligence. 
XXXX. XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX | High Balance : {$950.00} | Status : Collection * Issue : This collection account is inaccurate, unvalidated, and disputed multiple times without resolution. 
FCRA Violation : 1681g, 1692g ( FDCPA ), 1681i Story : I requested validation of debt per my rights, and no documentation was provided by United Revenue or Experian. Therefore, it must be removed immediately as unverified and unlawfully reported. 
Unjustified Hard Inquiries The following hard inquiries were made without my authorization or permissible purpose under FCRA 1681b : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I never authorized these inquiries and have no business relationship with these entities.

FCRA Violation : 1681b ( c ) ( 1 ) ( A ) Story : These inquiries are damaging my credit unfairly. Experian must investigate and remove any unauthorized or fraudulent inquiries.

Relief Sought Under the Fair Credit Reporting Act, I demand the following actions from Experian : 1. Immediate deletion of all inaccurate addresses and personal information. 2. Permanent removal of any unverified or incorrect account entries. 3. Removal of all unauthorized hard inquiries. 4. A full reinvestigation and written response with evidence, per FCRA 1681i. 5. Confirmation in writing that all changes have been made.

Final Statement : I am requesting the CFPB to fully investigate these FCRA violations by Experian. The agency has failed to meet its obligations under federal law, and their continued reporting of unverifiable, outdated, and incorrect information is causing ongoing harm to my financial integrity.

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