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: MD

Complaint narrative:
I am filing this formal complaint against Experian for continuously reporting inaccurate, obsolete, and unverifiable information on my credit report, despite multiple attempts to correct them. These errors are materially damaging my creditworthiness, preventing access to fair credit opportunities, and causing mental and financial distress. I have previously disputed these items directly with Experian, but they have either failed to investigate or continue to verify incorrect data in violation of federal law. 
This complaint includes wrong addresses, charge-offs, late payments, bankruptcy issues, and unauthorized inquiries, all of which violate the Fair Credit Reporting Act ( FCRA ), particularly under 1681c, 1681e ( b ), 1681i, and 1681b ( f ).

WRONG ADDRESSES REPORTING ( FCRA 1681e ( b ) ) The following addresses are being reported on my credit profile, though I have never lived at these locations : XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX These addresses are false, unverifiable, and irrelevant to my credit history. Reporting incorrect personal information violates FCRA 1681e ( b ), which mandates that credit bureaus must follow reasonable procedures to ensure maximum possible accuracy of consumer information. 
INACCURATE NEGATIVE ACCOUNTS 1. XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$810.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Violation : FCRA 1681i ( a ), 1681e ( b ) Inaccurate and unverifiable reporting ; failure to conduct proper reinvestigation. 
2. XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2500.00} Issue : Charge-Off Violation : FCRA 1681e ( b ) Data furnished is obsolete and harming my credit standing. 
3. WEBBANK/FINGERHUT Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$470.00} Issue : Late Payment Violation : FCRA 1681c ( a ) ( 5 ) Reporting aged information beyond XXXX XXXX should be removed. 
4. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$720.00} Issue : Late Payment Violation : FCRA XXXX Experian failed to properly verify this late mark when I disputed. 
5. XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX High Balance : {$5100.00} Issue : Late Payment Violation : FCRA 1681e ( b ) Inaccurate delinquency reporting ; no proof of late payment was ever provided upon dispute. 
PUBLIC RECORD MISREPORTING XXXX XXXX CT MD XXXX Case # : XXXX Issue : Bankruptcy Reporting Violation : FCRA 1681e ( b ) Experian is inaccurately linking a bankruptcy that does not belong to me. They must verify all public records via actual court data. 
UNAUTHORIZED HARD INQUIRIES ( FCRA 1681b ( f ) ) The following inquiries were made without my authorization, and I demand their removal : 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 XXXXXX/XX/XXXX Under FCRA 1681b ( f ), a credit reporting agency may not furnish a consumer report to a user unless it is for a permissible purpose. These inquiries were made without my consent or legitimate need, and they are damaging my credit profile.

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