Consumer complaint received 2025-06-06 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: LA

Complaint narrative:
I am filing this complaint against the credit reporting agencies for failing to remove inaccurate, unverifiable, and unauthorized information from my credit reports despite multiple dispute attempts. These errors are significantly harming my credit standing, resulting in denials for credit, housing, and employment opportunities. The following issues remain unresolved : 1. Wrong Address Being Reported : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Reported XX/XX/XXXX ) This address does not belong to me and has never been associated with my identity. I have requested multiple times for its removal, but it continues to appear on my credit report. This is a direct violation of FCRA 1681e ( b ), which requires credit bureaus to ensure accurate and relevant data. 

2. Inaccurate and Unverified Accounts : XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Late Payments * * No proper verification, billing statements, or mailing records have ever been provided to justify the derogatory reporting. The reinvestigation was incomplete and generic. 

XXXX Account # XXXX Charge-Off This charge-off is reporting with no documentation or proof of debt, no signed agreement, or itemized balance details. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX Charge-Off * * This account was opened and charged off within an unreasonably short timeframe, suggesting possible predatory lending or a reporting error. No supporting documents have been presented. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX Charge-Off * * Experian and Equifax are reporting this account without validation. Multiple disputes were sent, yet no legally compliant evidence was returned. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Collection * * This is a third-party debt collector account with no debt validation provided. This violates FDCPA 809 ( b ), as they failed to provide the original creditors supporting documents.

These accounts were disputed multiple times with no legally sufficient response, violating FCRA 1681i ( failure to reinvestigate ) and 1681s-2 ( b ) ( failure to correct inaccurate data ).

3. Unauthorized and Excessive Inquiries : I am also disputing the following inquiries that were made without my consent or permissible purpose under FCRA 1681b : XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( appears twice on the same date ) I have not applied for credit with these companies during the listed dates and did not authorize these hard inquiries. Multiple inquiries from the same companies ( like XXXX and XXXX ) are damaging and excessive. 

Requested Resolution : I request that the Consumer Financial Protection Bureau require the credit bureaus and furnishers to : Permanently remove the wrong address from my credit reports Delete or correct all the disputed accounts listed above due to failure to verify under FCRA guidelines Remove all unauthorized and duplicate hard inquiries Provide a written confirmation of deletions and corrected reports from all three major bureaus I have exhausted all available dispute channels and am now depending on CFPB to enforce compliance with federal credit reporting laws. Thank you for your time and assistance in protecting 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