Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute inaccurate and fraudulent information on my Experian credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed information and remove any inaccurate, incomplete, or unverifiable data. 

The following hard inquiries appear on my credit report without my authorization and must be deleted immediately per 15 U.S.C. 1681b ( c ) : XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Furthermore, my credit report contains an incorrect address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I have never resided at this location. Under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are required to maintain accurate personal identifying information. I demand the immediate removal of this erroneous address from my credit file. 

Fraudulent accounts as listed below, have also been dispute and never resolved by Experian. A charge-off accounts that appears on my credit report uses inaccurate information, yet I have been denied removal and investigation. 

XXXX XXXX XXXX XXXX. 
The details of the account are as follows : Creditor : XXXX XXXX Card Services Account Number ( Last Four Digits ) : XXXX Date Opened : XX/XX/XXXX Status : Charged Off I did not open this account, and I have been a victim of identity theft. I have already filed an identity theft report with the Federal Trade Commission ( FTC ). My FTC Identity Theft Report reference number is XXXX. 

I called to file multiple disputes upon recently gaining access to my credit reports and was informed that an account is allegedly linked to this address. However, I have never resided there, nor have I authorized any accounts to be opened using this address ( Experian file number XXXX ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information. If you are relying on an account to verify this address, I formally request : The name of the creditor who provided this information. 
Documentation proving my authorization or association with this address. 
Any application, contract, or agreement bearing my signature that ties me to this location. 

If Experian can not verify this information with actual documentation, the law requires you to delete the disputed address under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Continuing to report inaccurate information without proper verification is a violation of my rights. 

Additionally, I would like to bring to your attention that I have previously filed disputes regarding this matter, yet Experian failed to follow up with the investigation. Recently, I was notified that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for accepting unreliable information and failing to notify consumers of dispute results. This lawsuit aligns with my current situation, as Experian has neither attempted to remove nor correct any of the disputed information. 

I am requesting that the derogatory remark related to this matter be removed or corrected immediately, as it is severely affecting my ability to obtain important financial products, such as a house or car. Experians continued failure to address and rectify this issue constitutes a violation of my rights as a consumer, as well as a breach of federal laws. 

As required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Experian must delete disputed information if it can not be verified within 30 days. If you do not comply with this request, I will pursue legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

This lack of credit reporting efficiency has led to vicarious financial consequences and have hindered the buying of my first home as my interest rates are so high that I could not afford the monthly payments even if the housing market was lower to a median from XXXX. This financial burden has created a cycle of poverty and hardships that, as a first generation college student, I have worked so hard to not fall victim to debt that entrenches so many US citizens today. 

Please, correct and remove all listed fraudulent accounts and information from my credit report immediately!

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