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:
To Whom It May Concern, I am submitting this complaint against Experian due to numerous and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related laws. Despite my previous attempts to dispute and correct the inaccuracies, Experian continues to report incorrect personal addresses, inaccurate account data, unauthorized inquiries, and outdated or unverifiable derogatory items that are damaging my credit profile and reputation.

Wrong Addresses Reported ( FCRA 1681e ( b ) Violation Inaccurate personal identifying information ) XXXX XXXX XXXX, XXXX, TX XXXX I have never lived at or been associated with this address. This incorrect reporting may be contributing to a merged or mixed credit file. 
XXXX XXXX XXXXXXXX, XXXX, TX XXXX This is an unknown address, never used by me for any financial purposes. Including this in my credit profile violates the FCRA 's accuracy mandate. 
Accounts with Inaccurate Information 1. XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$760.00} | Opened : XX/XX/XXXX Late Payments This account is inaccurately reporting late payments that were never delinquent. I have never received any notice of late status nor had any billing dispute with this lender. Repeated disputes have gone unresolved, violating FCRA 1681i ( a ).

2. XXXX XXXX XXXX  Acct : XXXXXXXX XXXX High Balance : {$3500.00} | Opened : XX/XX/XXXX Charge-Off This account was settled and closed years ago. Reporting it as a charge-off now appears outdated and misleading. Under FCRA 1681c ( a ) ( 4 ), Experian must not report outdated derogatory information.

3. XXXX XXXX XXXX Acct : XXXX High Balance : {$2100.00} | Opened : XX/XX/XXXX Collection This is a debt I do not recognize. No debt validation was ever provided under FDCPA 809 ( a ), yet it is harming my credit as a collection. Experian failed to verify the legitimacy, violating FCRA 1681b.

4. XXXX XXXX Acct : XXXX High Balance : {$570.00} | Opened : XX/XX/XXXX Late Payments This creditor has inaccurately marked payments as late even though my records show timely payment. I believe this is a case of identity or clerical error, and Experian never conducted a proper reinvestigation ( FCRA 1681i ).

5. XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$350.00} | Opened : XX/XX/XXXX Late Payments Late payment history on this account is false. I have submitted documentation before but Experian failed to make corrections. This causes direct financial harm and violates 1681e ( b ).

6. XXXX  XXXX XXXX  Acct : XXXXXXXX XXXX  High Balance : {$940.00} | Opened : XX/XX/XXXX Late Payments This is being reported with inaccurate delinquencies. I never defaulted on this account. No supporting evidence was shared upon request. 
7. XXXX  XXXX XXXX  Acct : XXXXXXXX XXXX  High Balance : {$1000.00} | Opened : XX/XX/XXXX Late Payments This is a duplicate reporting of the previous account, showing similar incorrect late marks. Experians refusal to remove the error after dispute violates FCRA 1681i ( a ).

8. XXXX XXXX Acct : XXXX High Balance : {$530.00} | Opened : XX/XX/XXXX Late Payments The reported delinquencies are inaccurate. No notices or billing discrepancies were communicated to me. Experian did not verify or validate upon challenge. 
9. XXXX Acct : XXXXXXXX XXXX High Balance : {$370.00} | Opened : XX/XX/XXXX Late Payments This entry contains false late payment data. The creditor and Experian have failed to validate or explain the negative mark, violating consumer protection laws.

10. XXXX XXXX XXXX XXXX  Acct : XXXX High Balance : {$540.00} | Opened : XX/XX/XXXX Late Payments I was never behind on this account. This false reporting is preventing access to housing and employment and has not been remedied despite multiple disputes. 
11. XXXX XXXX XXXX Acct : XXXX XXXX XXXX High Balance : {$310.00} | Opened : XX/XX/XXXX Late Payments This small loan was repaid on time. Experian has allowed this damaging misinformation to remain, contrary to 1681e ( b ) and 1681i ( a ).

12. XXXX XXXX XXXX Acct : XXXX XXXX High Balance : {$5000.00} | Opened : XX/XX/XXXX Late Payments This retailer account has been misreporting late payments that were due to a billing system error on their end. I have provided proof, but Experian has ignored it.

13. XXXX XXXX XXXX XXXX Acct : XXXX XXXX High Balance : {$350.00} | Opened : XX/XX/XXXX Late Payments Inaccurate late payment entries persist even after resolution with the lender. Experian continues to publish damaging errors without reinvestigation.

14. XXXX XXXX Acct : XXXX High Balance : {$45000.00} | Opened : XX/XX/XXXX Late Payments The reported late payment is untrue and has caused substantial financial impact. I have contacted both XXXX and Experian, but no action has been taken. 
Unauthorized Hard Inquiries ( FCRA 1681b Violation ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my consent or knowledge. I never applied for credit with these entities on the listed dates. These are violations of FCRA 1681b ( a ) ( 3 ) as there was no permissible purpose.

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