Consumer complaint received 2025-06-20 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 filing this complaint against Experian for reporting inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, specifically sections 1681e ( b ) ( maximum possible accuracy ), 1681i ( failure to reinvestigate disputed information ), and 1681b ( unauthorized access/inquiries ).

Despite multiple attempts to resolve these issues directly with Experian, the following inaccurate entries still remain on my credit report. These inaccuracies are materially affecting my creditworthiness and financial opportunities.

I. Inaccurate Addresses ( Violation of 1681e ( b ) ) The following addresses are not associated with me, and I never lived or received mail at these locations : XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Wrong Address FCRA Violation : These incorrect addresses demonstrate Experians failure to maintain the maximum possible accuracy of my personal identifying information in accordance with FCRA 1681e ( b ).

II. Unverified Collections & Charge-Offs ( Violation of 1681i and 1681e ( b ) ) The following accounts are either inaccurate, unverifiable, or falsely reported. I never received any proper validation or notice of these debts from the original creditors or collection agencies. 
XXXX. XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$610.00} | Date Opened : XX/XX/XXXX o Reported as Collection o Violation : 1681i, 1681e ( b ) 2. XXXX XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$940.00} | Date Opened : XX/XX/XXXX o Reported as Collection o Violation : 1681i, 1681e ( b ) 3. XXXX XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$540.00} | Date Opened : XX/XX/XXXX o Reported as Collection o Violation : 1681i, 1681e ( b ) 4. XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX o Opened : XX/XX/XXXX o Reported as Charge Off o Violation : 1681i, 1681e ( b ) XXXX. XXXX XXXX XXXX ( # XXXX ) XXXX o High Balance : {$370.00} | Opened : XX/XX/XXXX o Reported as Collection o Violation : 1681i, 1681e ( b ) XXXX. XXXX XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX o High Balance : {$1300.00} | Date Opened : XX/XX/XXXX o Reported as Collection o Violation : 1681i, 1681e ( b ) XXXX. XXXX XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX o High Balance : {$330.00} | Date Opened : XX/XX/XXXX o Reported as Collection o Violation : 1681i, 1681e ( b ) These accounts were never validated properly, and some are past statute of limitations. Experian has failed to conduct a reasonable reinvestigation despite prior disputes. 
III. Unverified & Unauthorized Hard Inquiries ( Violation of 1681b ) The following hard inquiries were pulled without my authorization or permissible purpose. I have no existing business relationship or pending application with these entities : 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  FCRA 1681b requires that a credit inquiry must have a permissible purpose, and unauthorized inquiries constitute a violation of consumer rights.

Requested Relief I respectfully request the following actions be taken immediately : 1. Permanent deletion of the above-mentioned inaccurate collection, charge-off accounts, and unauthorized inquiries.

2. Removal of all incorrect addresses not associated with my identity.

3. Full investigation in compliance with FCRA 1681i, with written validation from data furnishers.

4. Civil and corrective action against Experian for failure to maintain accurate reporting and failing to comply with federal law.

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