Consumer complaint received 2025-06-26 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:
I am filing this complaint against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ), including : Reporting wrong and fraudulent addresses Listing unauthorized and unverified inquiries Reporting a collection account that is inaccurate, unverified, and damaging Failing to conduct proper reinvestigation under 15 U.S.C. 1681i Reporting information without permissible purpose under 15 U.S.C. 1681b I have disputed this information with Experian previously, but they failed to act in compliance with the FCRA. These repeated errors have caused me financial and emotional harm, denial of credit, and reputational damage. 
Incorrect Addresses ( Violation of 15 U.S.C. 1681e ( b ) ) : XXXX. XXXX XXXX XXXX XXXX, SC XXXX This address is incorrect and does not belong to me. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have no connection to this address and have never lived there. 
FCRA Violation : Reporting inaccurate personal identifying information violates 15 U.S.C. 1681e ( b ) which mandates maximum possible accuracy in consumer reports. 
Collection Account ( Violation of 15 U.S.C. 1681e ( b ), 1681i, and 1692g ) : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Status : Collection Issues : I do not recognize this debt. 
I was never notified or validated under 15 U.S.C. 1692g of the FDCPA. 
No written proof, contract, or validation has been provided. 
Reporting of this account is damaging my credit and was not properly verified during disputes. 
FCRA Violation : Failure to properly investigate this dispute violates 15 U.S.C. 1681i. Inaccurate and unverifiable accounts also violate 15 U.S.C. 1681e ( b ).

FDCPA Violation : Consumer Adjustment Co failed to validate the debt under 15 U.S.C. 1692g. 
Unauthorized/Inaccurate Credit Inquiries ( Violation of 15 U.S.C. 1681b ) : 1. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX o I did not authorize this inquiry. 
o I have no current or past business relationship with this company. 
o This inquiry was made without a permissible purpose. 
XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX o This was not initiated or authorized by me. 
o No loan application or permission was given to pull my credit. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX o This company had no permissible purpose or authorization to access my Experian report. 
FCRA Violation : These inquiries violate 15 U.S.C. 1681b, which only allows access to credit reports with a permissible purpose. Unauthorized hard inquiries harm my score and creditworthiness. 
Narrative/Explanation of Harm : Experian has been grossly negligent in maintaining accurate and verifiable information on my credit report. I have submitted disputes and requested corrections numerous times, but they failed to act responsibly and lawfully. The wrongful inclusion of unknown collection accounts, unauthorized hard inquiries, and false addresses is not only inaccurate but also highly damaging to my personal and financial life. These errors have : Lowered my credit score significantly Caused me denial of credit and housing Created reputational and emotional distress Affected my ability to qualify for basic financial services Experian has ignored its duty to investigate under 15 U.S.C. 1681i, and continues to report inaccurate and unverified information, in violation of the FCRA.

Relief Requested : 1. Immediate deletion of all inaccurate and unverifiable information listed above.

2. Deletion of all unauthorized hard inquiries.

3. Removal of all incorrect addresses.

4. Monetary compensation for actual and emotional damages. 
XXXX. A complete reinvestigation and written results within the time prescribed by law. 
Please confirm receipt and take immediate corrective action as required by the Fair Credit Reporting Act. 
Thank you.

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