Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I am submitting this formal complaint against Experian for continued violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. Despite multiple disputes, Experian has failed to take action on inaccurate information, verify data properly, and remove outdated or unverifiable items, which continues to damage my credit profile, financial stability, and ability to secure housing and transportation. Below are the disputed items : Wrong Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is inaccurately reporting under my Experian file. I have never lived or received mail at this address.

Law : Under FCRA 15 U.S. Code 1681
e ( b ), Experian must follow reasonable procedures to ensure maximum possible accuracy. Reporting an address I have no affiliation with is a violation.

Story : This address is interfering with my ability to pass background checks and is being linked to fraudulent activities that have nothing to do with me. I have submitted identity documents proving my residence, yet this remains. 
Wrong Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : I have never lived at or been associated with this location. Its presence on my credit file is unauthorized and misleading.

Law : FCRA 15 U.S. Code 1681i ( a ) requires the CRA to investigate and remove disputed inaccurate information within 30 days.

Story : This wrong address is harming my reputation and causing confusion during credit applications. I am being flagged for red flags due to addresses not belonging to me. 
Wrong Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Issue : This address is falsely attached to my credit report without consent or validation. I have confirmed through public records and personal documentation that this is not mine.

Law : FCRA 15 U.S. Code 1681c ( a ) ( 4 ) prohibits the reporting of incorrect identifying information. 
Story : My financial applications are being delayed or denied due to mismatched personal information. I demand its permanent removal and a reinvestigation. 
XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$4700.00} Issue : This account is showing a pattern of late payments that I have previously disputed. I never received proper billing notices, and XXXX XXXX failed to provide full verification of the delinquencies.

Law : FCRA 15 U.S. Code 1681s-2 requires furnishers to report accurate and complete information. FCRA 15 U.S. Code 1681i ( a ) obligates Experian to reinvestigate disputes in good faith. 
Story : These late payments are lowering my credit score and limiting my ability to get affordable financing. This derogatory information is unverified and incomplete and must be removed until a proper investigation is completed. 
Inquiry : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This hard inquiry was placed on my report without my knowledge or consent. I did not apply for credit or authorize this auto-related inquiry.

Law : FCRA 15 U.S. Code 1681b ( c ) mandates that consumer reports may only be accessed with express written permission or for permissible purposes. 
Story : Unauthorized inquiries like this hurt my score and give the appearance of credit-seeking behavior I did not commit. It is a violation of my privacy and indicates that Experian is failing to ensure consumer authorization is obtained before posting inquiries.

Requested Resolution : 1. Immediate removal of all incorrect addresses from my file.

2. Full deletion or correction of inaccurate XXXX XXXX payment history. 
3. Removal of the unauthorized XXXX XXXX XXXXXXXX XXXX. 
4. Complete reinvestigation and compliance with all sections of the FCRA.

5. A copy of my updated report and written confirmation of changes.

Experians failure to uphold their legal responsibility has resulted in financial harm, emotional distress, and reduced access to essential services. I request that the CFPB enforce corrective action and impose penalties if necessary for noncompliance.

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