Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint to report Experians failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report.

I have submitted multiple disputes to Experian regarding inaccurate information, and to date, the bureau has not corrected, removed, or verified the disputed data. Their response has lacked transparency, and I have not received documentation or clarification on the method of investigation. 

Inaccurate Personal Identifiers Must Be Removed The following names appear on my credit report and are not associated with me : XXXX XXXX XXXX XXXX Despite my dispute, these names remain on my file and have not been corrected. 

Inaccurate Addresses Must Be Removed Experian is also reporting the following addresses that do not belong to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX These must be deleted immediately from my credit file. 

Accounts That Were Not Fairly Investigated The following accounts have not been properly investigated or verified by Experian. I do not recognize or authorize them, and they must be removed unless fully verified with appropriate documentation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian has failed to provide any method of verification, including the data furnishers name, contact information, or documentation used to justify keeping these accounts on my report. 

Unauthorized Hard Inquiries Must Be Deleted The following inquiries were made without my knowledge or consent. I did not authorize these companies to access my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX Experian XXXX XXXX reporting a bankruptcy filed under : XXXX Bankruptcy XXXX VA XXXX XXXX have requested verification of this public record. To date, Experian has not provided documentation directly from the court or confirmed that they obtained it from the original public record source. Public records must be verified with the court of origin, not through third-party vendors. 

Legal Obligation to Conduct a Fair and Reasonable Investigation Under the FCRA, Experian must : Conduct a fair and reasonable reinvestigation of each item I dispute ; Review all relevant information I have provided ; Delete or correct any item that can not be verified ; Provide the method of verification, including : The name and contact information of the data furnisher ; All documentation provided by the furnisher used in the reinvestigation. 

To date, Experian has not fulfilled these legal duties. 

Requested Action I am requesting that the Consumer Financial Protection Bureau : Open an investigation into Experians handling of my disputes ; Require Experian to delete all inaccurate names, addresses, accounts, inquiries, and the unverified bankruptcy ; Ensure Experian provides the full method of their investigation for each disputed item, including data furnisher contact details and supporting documentation. 

Thank you for your time and attention to this matter. I expect a full review in compliance with my rights under 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