Consumer complaint received 2025-06-28 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:
I am submitting this formal complaint against Experian for multiple, serious, and repeated violations of the Fair Credit Reporting Act ( FCRA ), including the inaccurate reporting of accounts, failure to reasonably investigate disputes, and the continued publication of accounts and inquiries that are obsolete, incorrect, or not verifiable. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. However, Experian continues to report outdated and incorrect addresses that do not belong to me, including the wrong address listed below, which I have previously disputed and requested to be removed. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Incorrect address reported Law Violated : FCRA Section 605 ( b ) and Section 609 ( c ) ( 2 ) Reporting of false or obsolete address without proper verification Story : Experian continues to associate my credit file with an address that I never lived at. This is a violation of my rights and indicates that Experian has failed to maintain reasonable procedures to ensure maximum possible accuracy as required under FCRA Section 607 ( b ) XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$9100.00} Issue : Charge Off Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) Inaccurate charge-off reporting without validation Story : This account is reporting a charge-off status, but I have never received validation from the creditor or Experian regarding its legitimacy. I have disputed this, and Experian has failed to conduct a reasonable investigation XXXX  Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$600.00} Issue : Late Payments Law Violated : FCRA Section 611 ( a ), 623 ( b ) Failure to verify late payment history Story : This account shows multiple late payments which are not accurate. I have disputed this but Experian refused to correct or validate the records as required by federal law XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} Issue : Charge Off Law Violated : FCRA Section 623 ( b ), FDCPA Section 809 Story : This charge-off account was never validated. No original creditor documentation was ever provided. Experian is furnishing inaccurate information and has failed to conduct a proper reinvestigation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$490.00} Issue : Collection Law Violated : FCRA Section 609 ( a ), 611 ( a ) Failure to provide documentation Story : I requested original creditor documents and validation of this debt which were never provided. Yet, Experian continues to report this account as a collection, harming my credit and violating federal law XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Collection Law Violated : FDCPA Section 809, FCRA Section 611 Story : I have never received a dunning notice or any form of debt validation from this collector. Experian is violating the FCRA by continuing to report unverifiable data XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Collection Law Violated : FCRA Section 623 ( a ), FDCPA Section 809 Story : Experian has failed to remove this collection despite multiple disputes and no documentation being provided by the debt collector. This is inaccurate and misleading reporting XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Issue : Charge Off Law Violated : FCRA Section 611 ( a ) ( 1 ) ( A ) Incomplete or unverifiable information Story : This account is more than 7 years old and should be excluded under FCRA Section 605 ( a ) ( 4 ). Reporting this account is illegal XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2600.00} Issue : Charge Off Law Violated : FCRA 623 ( b ), 611 ( a ) Story : This account was disputed, yet Experian continues to report it without providing any evidence or reasonable investigation findings XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} Issue : Charge Off Law Violated : FCRA Section 609 ( a ) Story : No validation has been provided. This tradeline is negatively impacting my report and was not handled according to FCRA XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Credit Limit : {$750.00} Issue : Charge Off Law Violated : FCRA Section 607 ( b ), 611 Story : This charge-off is inaccurate. Experian continues to report false balances and status, and has failed to perform a reasonable investigation XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$330.00} Issue : Charge Off Law Violated : FCRA 623 ( b ) Story : This account has no supporting documentation or validation. It was disputed and Experian ignored my lawful request XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1300.00} Issue : Collection Law Violated : FCRA Section 609 ( a ), FDCPA Section 809 Story : This collection is unverifiable and continues to damage my credit file despite multiple dispute attempts XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} Issue : Charge Off Law Violated : FCRA 611 Story : No valid records exist for this charge-off. Experian has failed to investigate and continues to report it inaccurately XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Issue : Charge Off Law Violated : FCRA 623 ( b ) Story : I disputed this and Experian did not correct the error or provide me with original documentation. This is a direct violation of FCRA guidelines XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} Issue : Charge Off Law Violated : FCRA 605 ( a ) Story : This account is beyond the 7-year reporting limit and should have been removed. It is still being reported by Experian in violation of federal law The following hard inquiries were made without my consent or legitimate purpose. These are unauthorized and violate FCRA Section 604 ( a ) ( 3 ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized/Inaccurate Inquiries Law Violated : FCRA Section 604 ( a ), 607 ( a ) Story : These inquiries were not authorized by me. I never applied for credit from these entities on the listed dates. They are harming my credit score and reflect Experians failure to protect consumer data In light of all these violations, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate Experian for failing to comply with federal law, harming my credit profile with inaccurate, unverifiable, and obsolete information. Experian has continuously failed to fulfill its obligations under the FCRA by reporting outdated, false, and damaging information, and ignoring my lawful disputes and requests for validation. I am demanding a full deletion of all unverifiable, inaccurate, and obsolete accounts and inquiries, and for Experian to be held accountable for these violations.

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