Consumer complaint received 2025-10-29 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 complaint because Experian has repeatedly failed to correct and remove inaccurate, unverified, and unauthorized information from my credit report even after I filed a prior dispute. This is my second round of communication with Experian, yet the same errors continue to appear on my file, damaging my credit reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Experian continues to report a wrong address, XXXX XXXX XXXX, CA XXXX, which I have never been associated with. I have never lived at or used that address for any financial purpose. Reporting an address that does not belong to me creates a misleading record and violates the FCRAs accuracy requirements under section 607 ( b ).

In addition, Experian continues to report several charge-off accounts that I have no knowledge of and have never opened or authorized. These include XXXX XXXX account number XXXX XXXX XXXX opened on XX/XX/XXXX with a high balance of {$2600.00} ; XXXX account number XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a high balance of {$3100.00} ; XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX opened on XX/XX/XXXX with a high balance of {$0.00} ; and XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$0.00}. I have never had any relationship with these creditors, and Experian has not provided any proof of verification such as signed agreements or account documents. Continuing to report these unverifiable accounts after a prior dispute constitutes a direct violation of FCRA section 611 ( a ) ( 1 ), which requires a reasonable reinvestigation. 

Experian is also inaccurately reporting a late payment on my XXXX XXXX XXXX XXXX account number XXXX XXXX, opened on XX/XX/XXXX with a high balance of {$22000.00}. I have never made any late payments on this account. Reporting such false payment history not only misrepresents my financial responsibility but also violates FCRA section 607 ( b ), which mandates maximum possible accuracy in consumer reporting.

Furthermore, Experian has listed multiple credit inquiries that I never authorized or consented to. These include inquiries from XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. I did not apply for credit with any of these entities, and Experian has not provided any signed authorization or verification. Reporting inquiries without a permissible purpose violates FCRA section XXXX ( a ) ( XXXX ). 

Despite my previous dispute and written request, Experian failed to provide documentation verifying the legitimacy of these accounts and inquiries. Instead, they simply verified the information without investigation or evidence, which shows clear negligence and noncompliance with FCRA section 611 ( a ). I believe Experian did not contact the original creditors or conduct a proper reinvestigation as required by law.

The continued reporting of false addresses, unauthorized inquiries, and unverified charge-off accounts has severely affected my credit standing and caused ongoing distress. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Experian for noncompliance with the Fair Credit Reporting Act, enforce accountability, and require them to permanently delete all unverified, unauthorized, and inaccurate items listed above.

I am attaching supporting documents, including my previous dispute letter to Experian and a current copy of my credit report showing the ongoing errors. I respectfully request that the CFPB ensure Experian complies with the law and provides a complete correction and written confirmation of all deletions.

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