Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Follow-Up Summary ( as of XX/XX/XXXX ) This message serves as a follow-up to CFPB Complaint # XXXX, originally filed against Experian on XX/XX/XXXX, and updated on XX/XX/XXXX to report Experians incomplete and inaccurate reinvestigation results. 

As of XX/XX/XXXX XXXX, XXXX, Experians portal indicates that the XXXX XXXX XXXX  and XXXX accounts were marked verified and will remain, even though no documentation, signed agreements, or payment histories were provided to substantiate those alleged late payments. 
This appears to violate FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ), which require Experian to ensure maximum possible accuracy and to delete unverifiable data within the investigation period. 

Additionally, Experian continues to : Report mixed or inaccurate personal information on my file ; and Retain multiple unauthorized or excessive hard inquiries, despite prior disputes. 

The details of those inquiries and identifier issues are outlined below. 

1. Unauthorized or Excessive Hard Inquiries The following hard inquiries appear on my Experian credit file but were not authorized by me, nor tied to any completed credit applications. 
Under 15 U.S.C. 1681b ( a ) and 1681c-2, Experian must delete these inquiries unless it can provide written proof of permissible purpose and signed authorization for each : Creditor / Company Name Inquiry Date On Record XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX These inquiries appear related to dealership or third-party credit submissions that were never completed or authorized for multiple lenders. 
Experian should remove them or provide documented proof of authorization within 15 days. 

2. Mixed or Inaccurate Personal Identifiers Experian continues to report inaccurate or mixed identifiers, contrary to FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). 
The inaccuracies include : Outdated or unverified addresses ; Unrecognized name variations or aliases ; Incorrect employer or contact data. 

Verified Identifiers ( for correction ) : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : [ Insert DOB ] Last XXXX of XXXX : [ Insert Last XXXX Digits ] I request that Experian : Delete all unauthorized or unverifiable hard inquiries listed above. 

Remove any mixed or inaccurate identifiers. 

Provide proof of compliance with FCRA 607 ( b ), 609 ( c ), and 611 ( a ) within 15 days. 

3. Pending and Delayed Investigations As of XX/XX/XXXX, I also filed new disputes through Experians online portal for the remaining inaccuracies under 15 U.S.C. 1681 c-2 and 1681 s-2. 
The XXXX XXXX XXXX and XXXX XXXX accounts remain under review with an expected completion date of XX/XX/XXXX, meaning Experian extended its reinvestigation to 45 days. 

I respectfully request that the CFPB : Escalate this complaint for supervisory review ; Ensure Experian provides documentary verification or deletes unverifiable data ; and Update this complaints status to reflect Experians continued non-compliance and incomplete reinvestigation. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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