Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am filing this formal complaint against Experian for continuously reporting inaccurate, misleading, and unverifiable information on my consumer credit report, despite multiple disputes and notices. These actions are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, including sections 1681e ( b ), 1681i, and 1681c. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never lived at or been associated with this address. This is a gross inaccuracy that creates confusion and jeopardizes the integrity of my identity. 
Violation : FCRA 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy Story : Despite my previous dispute, Experian failed to delete this incorrect address, thereby neglecting their duty to correct inaccurate data. Such addresses can be linked to fraudulent activity or mixed files and could expose me to potential identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This is another inaccurate address that has no relation to me. I have not resided in Georgia. 
Violation : FCRA 1681i Failure to reinvestigate disputed information within 30 days Story : Even after providing proof of my current and past addresses, Experian failed to remove this erroneous data. Their negligence causes unnecessary harm to my personal and financial reputation. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Charge Off * * This account is inaccurately reported as a charge-off. There is no valid documentation proving this debt belongs to me. 
Violation : FCRA 1681e ( b ), 1681i, 1681s-2 ( b ) Reporting inaccurate and unverifiable account Story : I submitted documentation showing I never opened or authorized this account. Despite this, Experian continues to report this account, harming my creditworthiness and making it difficult to obtain financial products. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charge Off * * This XXXX account is falsely listed as a charge-off. I requested a full investigation and validation which was never properly conducted. 
Violation : FCRA 1681i and 1681e ( b ) Story : My disputes were met with generic responses from Experian with no proof or investigation results. This negligence has led to denials for housing and increased interest rates. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Charge Off * * This account is another falsely attributed charge-off with no supporting documentation from the furnisher or Experian.

Violation : FCRA 1681e ( b ), 1681s-2 ( b ) Story : I believe this account may be the result of mixed file or identity theft. Experian has failed to properly verify ownership and continues reporting it despite my repeated disputes. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Collection * This account appeared suddenly and has no verifiable history or proof that I owe this debt.

Violation : FCRA 1681i and FDCPA 809 ( Validation of Debt ) Story : I requested proper validation and investigation, but Experian failed to provide it or delete the item. This entry is affecting my employment background check and access to utilities. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$92.00} Collection * * This collection account is inaccurately placed on my report. I was never informed about this debt nor given a chance to dispute it prior to reporting. 
Violation : FCRA 1681e ( b ), FDCPA 807 Misleading representation of debt Story : Reporting small, unverifiable balances without my acknowledgment is both unfair and unlawful. It damages my credit profile unjustly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Charge Off * * This account duplicates prior entries and is reported with discrepancies. It seems to be an error or a result of account splitting.

Violation : FCRA 1681e ( b ) Maximum possible accuracy standard not maintained Story : Experians failure to verify or reconcile conflicting data indicates systemic failure in data handling and due diligence. 
Bankruptcy Reference XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy I have never filed for bankruptcy in the state of Georgia or any other state. This is a major error that deeply impacts my financial standing. 
Violation : FCRA 1681e ( b ), 1681i Story : Reporting a false bankruptcy is a severe act of negligence. Experian failed to validate this highly sensitive and damaging record, which has caused me loan denials and emotional distress. 
Bankruptcy Reference XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy This is a second false bankruptcy reported on my file. I have never been a debtor in these cases and was never notified. 
Violation : FCRA 1681c ( a ) ( 1 ) Inaccurate and outdated public record reporting Story : This duplicate false bankruptcy is further evidence of Experians failure to uphold accuracy and investigate disputed records. Its a critical breach of trust and responsibility. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry made without permissible purpose. 
Violation : FCRA 1681b Lack of permissible purpose for inquiry Story : I did not apply for credit with this company. This inquiry was done without my consent and reduced my credit score unfairly. Experian has not removed it even after a formal dispute. 
XXXX XXXX XXXX XXXX Dated XX/XX/XXXX This hard inquiry is unauthorized and not linked to any credit application made by me. 
Violation : FCRA 1681b Story : This inquiry was done without my knowledge or permission. Its indicative of poor oversight and lack of consent verification by Experian.

Final Note : I have made multiple attempts to resolve these issues directly with Experian, including sending dispute letters, providing identity verification, and requesting reinvestigation. Despite that, Experian has refused to correct these inaccuracies, which is in direct violation of federal law. I am seeking the CFPBs urgent intervention and request that Experian be compelled to delete all inaccurate, unverifiable, and unauthorized information from my credit report. 
I request damages, full deletion of erroneous data, and enforcement actions against Experian for violating my consumer rights.

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