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: NE

Complaint narrative:
I am submitting this formal complaint against Experian for failing to maintain accurate and verifiable information on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Despite previously disputing several inaccurate addresses and tradelines, Experian has failed to perform reasonable investigations, and continues to report incorrect personal information, unauthorized hard inquiries, and derogatory account information that is inaccurate, unverifiable, and misleading. 
INCORRECT ADDRESSES REPORTED : XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX This is not and has never been my residence. 
XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX This address is completely unfamiliar and incorrect.

FCRA Violation : Under 15 U.S.C. 1681e ( b ), Experian must follow reasonable procedures to ensure maximum possible accuracy. Reporting incorrect addresses puts my identity at risk and affects account matching. 
INACCURATE ACCOUNT REPORTING : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$660.00} Date Opened : XX/XX/XXXX Issue : Late Payment reported Problem : No verifiable record exists confirming any missed payment. I have requested verification, but no proper investigation was conducted.

Legal Violation : FCRA 1681i ( a ) Failure to investigate disputed information. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Late Payment Problem : I was never informed of any delinquency. No proper notice, no opportunity to validate the debt. 
Legal Violation : FCRA 1681i and FDCPA 809 ( a ) Failure to validate debt upon dispute. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Problem : The payment history reported does not match my records. I have repeatedly disputed but Experian continues to report it without verifying accuracy. 
Legal Violation : FCRA 1681s-2 ( b ) Furnisher failure to correct inaccurate information after notice. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Collection Account Problem : This debt was never validated per FDCPA 809. Reporting without proper verification is unlawful.

Legal Violation : FDCPA 809, FCRA 1681e ( b ) and 1681i ( a ) UNAUTHORIZED & EXCESSIVE INQUIRIES : The following hard inquiries were conducted without my consent or permissible purpose, violating FCRA 1681b ( c ) : XXXXXXXX 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 : I never authorized these inquiries. They damage my credit score and were not tied to any application initiated by me.

Legal Violation : FCRA 1681b ( f ) Obtaining credit report without permissible purpose. 
RELIEF REQUESTED : I am requesting the CFPB to enforce the following : XXXX. Immediate deletion of the following inaccurate addresses : o XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Removal of inaccurate and unverified account information : 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 Deletion of unauthorized hard inquiries : o All inquiries listed above ( XXXX total ). 
4. Demand that Experian perform a full reinvestigation as per FCRA 1681i ( a ) and provide written results.

5. Enforce penalties and corrective actions as applicable under FCRA 616, 617 for willful and negligent noncompliance.

Final Statement : I am mentally distressed and financially affected by Experians reckless handling of my credit data. I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure compliance with federal law. Experians failure to correct or remove false information after multiple disputes is unjust and unacceptable. 
I will be submitting a supporting affidavit and identity documents alongside this complaint.

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