Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to bring to your attention serious violations committed by Experian, a nationwide credit reporting agency, regarding multiple inaccuracies on my credit report. Despite submitting a formal dispute to Experian, they have failed to properly reinvestigate and correct the following items : an address Ive never lived at, an unverified collection account, two inaccurate charge-off accounts, and several unauthorized hard inquiries. These unresolved errors are harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

First, Experian continues to report an incorrect XXXX XXXX XXXX, XXXX, SC XXXXwhich I have never lived at. This address has no connection to me, and its presence on my credit file is deeply concerning. Under FCRA 607 ( b ), credit bureaus are required to maintain accurate and verifiable consumer information. Including an address that I have no association with creates a risk of identity mix-ups or cross-reporting, and Experians failure to remove it after my dispute is unacceptable. 

In addition, Experian is reporting three harmful accounts which I do not recognize or authorize : XXXX XXXX XXXX ( Account # XXXX ), listed as a charge-off with a balance of {$18000.00} XXXX XXXX XXXX Account # XXXX ), listed as a charge-off with a balance of {$10000.00} XXXX  ( Account # XXXX ), reported as a collection account with a future open date of XX/XX/XXXX, which is logically and factually impossible. 

These accounts were disputed directly with Experian, but they remain on my report without any proper documentation or validation provided. Under FCRA 609 and 611, I am entitled to see the original signed agreements, billing statements, or contracts that verify these debts belong to me. Experian failed to furnish any such evidence, which means these accounts should have been deleted by law. The XXXX account, in particular, has a false future open date and is clearly a data entry or reporting error, yet Experian continues to retain it. 

Furthermore, my credit report includes a disturbing number of unauthorized hard inquiries, all dated XX/XX/XXXX, from companies Ive never applied with, including : 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 

These inquiries were not initiated or authorized by me, nor did I submit any applications that would justify a credit pull from these entities. Under FCRA 604 ( a ), access to a consumers credit report is only allowed with a permissible purpose, which includes the consumers explicit consent. I did not consent to any of these inquiries. They are harming my credit score and were clearly submitted without my knowledge. Experian failed to remove them even after I filed a formal dispute and clearly denied ever authorizing them.

The presence of these unauthorized inquiries and inaccurate accounts has directly impacted my financial stability and emotional well-being. My credit score has dropped, and Ive been denied credit offers, job applications, and faced higher interest rates. This situation is not only damaging but also distressing. Im trying to rebuild my credit and protect my financial health, yet Experians failure to comply with federal law is making that impossible.

I respectfully request that the CFPB intervene and ensure Experian is held accountable for violating my rights. I want Experian to permanently delete the inaccurate address, the unverifiable collection and charge-off accounts, and all the unauthorized inquiries. I am also requesting a clean and corrected copy of my credit report once the changes are made. I have attached a copy of my dispute letter and all related documentation I submitted to Experian previously. 

Thank you for your assistance in helping me enforce my rights under federal law and protect my credit integrity.

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