Consumer complaint received 2025-07-08 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:
I am filing this complaint against Experian for failing to maintain accurate and verifiable information on my credit report and for continuing to report accounts, addresses, and collections that are either incorrect, unverified, or legally misrepresented. I am including all disputed items below with supporting context, legal references, and personal impact. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is not my address and was never used in any application. Reporting false address violates FCRA 1681e ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$500.00} Charge Off * * This account is being reported as charged off without validation or accurate payment history. I did not receive any official charge-off notice or billing dispute resolution opportunity. This violates FCRA 1681i ( a ) and FDCPA 809 ( a ) for lack of verification and due process XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Charge Off * * This charge-off is inaccurate and misleading. I paid regularly on this account and was misled into believing it was a credit-builder. FCRA 1681s-2 requires accuracy and correction upon dispute. This account was not validated and must be removed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1500.00} Late Payment * * These late payments are being reported during my active military XXXX which should be protected under the XXXX. No billing notices or due process was followed. This violates FCRA 1681c and is a direct attack on servicemember protections XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$35000.00} Charge Off * * This account was charged off without a full payment history, no verification was provided, and the reporting is inconsistent. FCRA 1681i ( a ) demands reinvestigation and deletion if unverified. I request this account be removed XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$4000.00} Charge Off * * No validation of this debt has been provided. The charge-off status was never discussed or supported with billing evidence. This violates both FCRA 1681e ( b ) and FDCPA 809 ( a ). This account must be removed if unverifiable XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Charge Off * * Charge-off was added without any communication or verification. I never received billing notices or an opportunity to settle. FCRA 1681s-2 ( b ) and 1681i were violated due to unverified data XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$250.00} Charge Off * * This account should not be charged off as it was still under appeal. Experian failed to confirm the accuracy and violated FCRA 1681i for continuing to report this entry without proper validation XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$500.00} Charge Off * * Disputed for inaccuracy and lack of verification. I attempted resolution multiple times. FCRA 1681e ( b ) mandates maximum possible accuracy. No proof of default or charge-off notice has been shared XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} Late Payment * * This is inaccurately reporting late payments that occurred due to no fault of mine and without prior notification. FCRA 1681i ( a ) requires deletion of unverifiable data XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} Late Payment * * The late payments reported are inaccurate and do not match my records. I was never given a full billing statement or payment log. This violates FCRA 1681s-2 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$990.00} Late Payment * * These late payments were the result of system error from the bank, not my failure. No fair investigation has been conducted. Under FCRA 1681i, I demand deletion of this inaccurate data US DEPT ED XXXX Date Opened : XX/XX/XXXX High Balance : {$50.00} Charge Off * * This federal loan is incorrectly listed as charged off when federal loans do not charge off but go into default. This is false and misleading reporting violating FCRA 1681e ( b ) XXXX  XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$140.00} Charge Off * * This charge-off was reported without any billing or communication and may be identity theft or error. No validation was provided. Experian is violating FCRA 1681s-2 ( a ) XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$710.00} Collection * * I do not recognize this debt. I was never notified or given an opportunity to dispute. FDCPA 809 and FCRA 1681i require deletion if unverified. This is false and must be removed XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$220.00} Collection * * This debt is unrecognized and invalid. I have not received any legal notice or verification. This violates both FCRA and FDCPA and must be deleted Experian has continuously violated my consumer rights under the FCRA and FDCPA. Their failure to properly investigate disputes, maintain accurate records, and validate debt has caused serious damage to my credit, emotional well-being, and financial livelihood. I am requesting that the CFPB take immediate regulatory action against Experian and require them to correct or remove the disputed information listed above. I am also requesting Experian be held accountable for violating FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ), and FDCPA 809.

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