Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I am filing this complaint due to Experians continued failure to accurately report my credit information. Despite previous dispute attempts, Experian has refused to remove multiple inaccurate addresses, continues to report inaccurate late payments, charge-offs, and unauthorized/inaccurate hard inquiriesall of which are negatively affecting my credit profile and ability to access financial services. 
These errors violate the Fair Credit Reporting Act ( FCRA ), specifically : 602 ( A ) Consumer protection and fair credit reporting 604 ( a ) ( 3 ) Permissible purposes for obtaining consumer reports 611 Procedures in case of disputed accuracy 607 ( b ) Maximum possible accuracy requirement 605 ( a ) Time limitations on adverse items Wrong Addresses Reported by Experian ( Violation of FCRA 607 ( b ) ) : 1. XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Incorrect XXXX. XXXX XXXX XXXX, XXXX, VA XXXX Incorrect These addresses do not belong to me and have no relation to any valid accounts or records. Their continued appearance is a violation of FCRA 607 ( b ) which requires Experian to maintain maximum accuracy. 
Accounts with Inaccurate Negative Information : 1. DEPT OF ED/XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX  | Balance : {$22000.00} * * Issue : Late Payment Violation : FCRA 607 ( b ), 611 This account was in a federally recognized forbearance/deferment during the reported delinquency period. Reporting it as late is factually inaccurate and misleading. 
2. DEPT OF ED/XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$3700.00} * * Issue : Late Payment Reported delinquency while in XXXX administrative forbearance violates CARES Act and FCRA XXXX ( b ). 
3. DEPT OF ED/XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$1700.00} * * Issue : Late Payment Payment status does not reflect accurate government-mandated deferment. 
4. DEPT OF ED/XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$6700.00} * * Issue : Late Payment Dates of delinquency fall under a deferment agreement. XXXX constitutes negligent and willful violation of FCRA XXXX. 
5. DEPT OF ED/XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$2200.00} * * Issue : Late Payment This is a duplicate account of another entry, violating FCRA XXXX ( c ) ( duplicate/obsolete information ). 
6. DEPT OF ED/XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$7300.00} * * Issue : Late Payment Reported as delinquent during pandemic forbearance protections. Misleading and damaging to credit. 
7. DEPT OF ED/XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$3500.00} * * Issue : Late Payment Same as previous issue. Possibly a duplicate trade line causing double harm. 
8. DEPT OF ED/XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$3700.00} * * Issue : Late Payment Reported while in deferment/forbearance. Inaccurate under FCRA XXXX ( b ). 
XXXX. XXXX XXXX Acct # : XXXX * * Opened : XX/XX/XXXXXXXX  | Balance : {$5800.00} * * Issue : Charge-Off Account does not reflect accurate communication or billing records. I was not properly notified of delinquency or charge-off per FCRA 623. 
Unauthorized/Inaccurate Hard Inquiries ( Violation of FCRA 604 ( a ) ( 3 ) ) The following inquiries were made without my permission or valid business purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me, nor do I have any existing relationship with most of these institutions. Reporting them without permissible purpose is a violation of FCRA 604 ( a ) and must be removed immediately. 
Requested Relief : I respectfully request the CFPB to take urgent action and direct Experian to : 1. Permanently remove the incorrect addresses listed above.

2. Correct or remove all inaccurate late payment entries related to Dept. of Ed/XXXX  due to deferments/forbearance.

3. Delete the charged-off XXXX  XXXX  account or validate it with complete documentation.

4. Remove all unauthorized or unverified hard inquiries listed.

5. Ensure Experian complies with FCRA 607 ( b ), 611, 604 ( a ) ( 3 ), and the CARES Act.

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