Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I am filing this formal complaint against Experian for their continued failure to correct multiple inaccurate entries on my credit report. I am the victim of identity theft and have previously notified the credit reporting agencies regarding fraudulent accounts and wrong addresses, yet Experian continues to report false, misleading, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Despite my efforts, Experian has not performed a proper investigation or removed the erroneous data. Below are the details : Wrong Address Reporting XXXX XXXX XXXX XXXX, LA XXXX This address is not mine and has no connection to me. It is being falsely reported under my credit profile. I have never lived at, been associated with, or authorized this address for any financial activity. Reporting such an address constitutes inaccurate reporting under FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. This false address must be removed immediately. 
XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$17000.00} * * This account is a direct result of identity theft. I did not open this account and have never had any financial dealings with XXXX XXXX XXXX XXXX. This is a fraudulent account, and its continued presence is a violation of FCRA 1681c-2, which mandates that credit reporting agencies must block information resulting from identity theft within four business days of receiving appropriate documentation. I demand immediate removal of this account and an identity theft block as required by law. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$40000.00} * * This account contains multiple late payments that are inaccurately reported. I have disputed this information but Experian failed to conduct a proper reinvestigation as required under FCRA 1681i. Moreover, the reporting of late payments without verifying the full payment history and context misrepresents my creditworthiness, thus violating FCRA 1681e ( b ) for inaccurate reporting. I request a full reinvestigation and deletion if this account can not be properly verified. 
XXXX XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$40000.00} * * This account has numerous late payments reported without proper validation or verification of the payment history. I dispute the accuracy and completeness of this data. Experian has violated FCRA 1681i by not investigating the dispute within 30 days and also FCRA 1681s-2 ( b ), which obligates furnishers to investigate and correct inaccuracies once notified. I request correction or removal based on lack of verifiable accuracy. 
XXXXXXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2500.00} * * This account is reporting late payments that are not accurate. I have no recollection of missing any payments on this account, and no validation has been provided upon my dispute. This inaccurate derogatory reporting is harmful and a violation of FCRA 1681e ( b ) and 1681i, as Experian failed to investigate or respond properly. Please require Experian to remove these inaccurate late payments or delete the account entirely. 
Unauthorized/Unverified Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were made without my authorization or consent and were not related to any application initiated by me. Reporting these hard inquiries without permissible purpose is a direct violation of FCRA 1681b ( c ) and 1681b ( f ). Experian is liable for failing to ensure that these inquiries were made for a legally permissible purpose. I demand immediate deletion of these unauthorized inquiries. 
Conclusion I am the victim of identity theft and have provided Experian with relevant documentation to support my disputes. Experian has failed to comply with its obligations under federal law, including conducting proper investigations, correcting inaccurate data, and protecting victims of identity theft. These failures have caused substantial harm to my credit score, denied me access to fair credit opportunities, and violated my consumer rights under the FCRA. I request the CFPB to take enforcement action and compel Experian to : 1. Permanently delete all fraudulent and inaccurate accounts listed above 2. Remove the unauthorized address 3. Delete all unauthorized hard inquiries 4. Provide confirmation of compliance and updated reports I certify that the above statements are true to the best of my knowledge and request immediate resolution of these matters.

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