Consumer complaint received 2025-10-28 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:
Dear CFPB Representative, I am filing this complaint because Experian has failed to properly investigate and correct multiple inaccurate, unverified, and unauthorized entries that continue to appear on my credit report. I submitted a written dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires Experian to conduct a reasonable investigation and ensure that all information reported is accurate and verifiable. Despite my formal dispute, Experian has not corrected or deleted these accounts and inquiries, which is a clear violation of federal law.

The following items remain inaccurate or unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not mine, and I have never lived there. Experian has failed to remove it after being notified. 

XXXX Account XXXX XXXX High Balance : {$340000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account incorrectly reports late payments. I have never made any late payments, and Experian has not corrected this false information. 

XXXX XXXX XXXX Account # XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off I have no knowledge of this account. It is unverified and unauthorized, yet Experian continues to report it. 

XXXX XXXX XXXX Account # XXXX High Balance : {$18000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This account contains inaccurate payment history. Experian has not corrected this false late payment record. 

XXXX XXXX Account # XXXX High Balance : {$7200.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off I have no knowledge of this account. Experian has failed to provide verification from the original creditor and has refused to delete this unverifiable entry. 

XXXX XXXX XXXX Account # XXXX ( Multiple Entries ) High Balance : {$13000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Balance Owed : {$16000.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Both entries are unrecognized and unauthorized, yet Experian continues to report them. One also appears to be a duplicate entry, which constitutes inaccurate reporting.

Unauthorized Hard Inquiries The following hard inquiries were made without my authorization and continue to remain on my credit file despite being disputed : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize any of these inquiries, and Experian has not deleted them despite being formally notified. These entries are damaging my credit profile and privacy rights.

Violation of Federal Law Experians continued reporting of inaccurate, unverified, and unauthorized data constitutes a violation of : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy.

FCRA 604 ( a ) Reporting unauthorized inquiries without a permissible purpose.

Desired Resolution I am requesting that the CFPB take immediate action to ensure that Experian : Deletes all unverified, inaccurate, and unauthorized accounts listed above.

Removes all unauthorized hard inquiries.

Deletes the incorrect address associated with my file.

Provides me with a corrected and updated copy of my credit report.

Confirms compliance with all FCRA obligations in writing.

These errors have negatively impacted my credit score and caused financial and reputational harm. I request the CFPBs assistance in holding Experian accountable for its failure to comply with federal law.

Thank you for your time and attention to this matter.

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