Consumer complaint received 2025-06-27 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 formal complaint against Experian for their failure to ensure accurate, complete, and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and its relevant subsections. Despite multiple attempts to resolve these issues, Experian continues to report inaccurate personal information, unverifiable accounts, and unauthorized inquiries, which are causing substantial harm to my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : This is an address that I have never lived at, used, or had any affiliation with. Experian is reporting it without my authorization or verification. 
Violation : 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 
XXXXXXXX XXXX XXXX XXXX | High Balance : {$540.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Issue : This account is being reported with late payments, but I dispute the accuracy of those payment records. No proper validation or notice of delinquency was ever provided to me.

Violation : 15 U.S. Code 1681i ( a ) Failure to conduct a reasonable reinvestigation after a consumer disputes information.

Violation : 15 U.S. Code 1681s-2 Furnishers of information must not report inaccurate or incomplete information.

Story : I have never been properly notified about any delinquency with this account. The account shows a derogatory status without my acknowledgment or evidence of communication. Reporting this account with late payments without proper validation has caused a negative impact on my creditworthiness. 
XXXX XXXX XXXX XXXXXXXX XXXX | High Balance : {$12000.00} | Date Opened : XX/XX/XXXX XXXX XXXX Issue : This account is reported as charged off, yet no validation of debt has been provided despite my previous requests. I never received a notice of charge-off nor any opportunity to dispute the debt before it was reported.

Violation : 15 U.S. Code 1681b Permissible purpose for reporting information Violation : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Reinvestigation of disputed information Violation : 15 U.S. Code 1692g ( b ) Debt collector must cease collection until debt is validated ( if applicable ) Story : I requested validation of this account and documentation regarding the charge-off, but Experian failed to ensure this information was accurate before including it in my report. This has negatively affected my ability to secure credit. 
XXXXXXXX XXXX | Inquiry Date : XX/XX/XXXX Issue : I never authorized this hard inquiry, and there is no permissible purpose under FCRA.

Violation : 15 U.S. Code 1681b ( c ) ( 1 ) ( A ) Consumer reporting agencies may only furnish a report if the consumer initiates the transaction. 
XXXX | Inquiry Date : XX/XX/XXXX Issue : This inquiry was made without my consent or knowledge and is unauthorized. 
Violation : 15 U.S. Code 1681b Experian allowed this inquiry without my authorization. 
XXXXXXXX XXXX | Inquiry Date : XX/XX/XXXX Issue : I did not apply for any credit product with XXXX XXXX, and this inquiry was made without my approval. 
Violation : 15 U.S. Code 1681b Unlawful access to consumer credit file. 
XXXX XXXX | Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry appearing on my credit report without permissible purpose. 
Violation : 15 U.S. Code 1681b Credit report accessed without my knowledge or application. 
XXXX XXXX | Inquiry Date : XX/XX/XXXX Issue : I never applied for credit or authorized a pull by this company. 
Violation : 15 U.S. Code 1681b Unlawful inquiry damaging my credit. 
XXXX XXXX XXXX | Inquiry Date : XX/XX/XXXX Issue : Unauthorized hard inquiry. I was not involved in any transaction that would justify this inquiry. 
Violation : 15 U.S. Code 1681b Credit file accessed without my permission. 
XXXX XXXX XXXX  | Inquiry Date : XX/XX/XXXX Issue : I have no record or knowledge of any business with this entity. This inquiry is unauthorized. 
Violation : XXXX XXXX XXXX XXXX No permissible purpose for this access. 
Summary & Relief Sought : Experian has failed in their legal obligation under the FCRA to ensure accurate and authorized information is included on consumer credit reports. They continue to report inaccurate address information, unverifiable accounts, and unauthorized inquiries without proper investigation, documentation, or permissible purpose. This is damaging my creditworthiness, causing emotional distress, and limiting my access to credit and financial services.

I am requesting immediate investigation and deletion of all the above-mentioned inaccurate, unverifiable, and unauthorized items. I am also seeking confirmation that Experian has improved their internal procedures for handling consumer disputes to ensure full compliance with federal law.

I request CFPB to take strong enforcement action against Experian and ensure that my rights under the FCRA are upheld.

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