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: IL

Complaint narrative:
I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) including failure to ensure the accuracy of information, failure to conduct proper reinvestigations, and unauthorized credit inquiries. Despite my right to a fair and accurate credit report, Experian has continued to report the following inaccurate, false, and harmful information on my credit report, which is negatively impacting my life and credit opportunities XXXX XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : I have never lived at this address and have no known connection to it this is a false address that appears to have been added due to file merging or clerical error its presence on my credit report constitutes a violation of my privacy and indicates Experians failure to maintain accurate reporting Law Violated : FCRA 1681e ( b ) failure to ensure maximum possible accuracy XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Address Issue : This address is also completely incorrect I have never used or resided at this location and its appearance suggests poor identity matching processes or file contamination by another individuals information Law Violated : FCRA 1681i ( a ) failure to reinvestigate disputed information XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account is reported as charged off and I dispute the accuracy of the status balance and reporting history Experian has failed to provide sufficient documentation to validate the claim nor has the furnisher offered any proof of debt or contractual obligation further the account appears to have been re-aged without basis which artificially extends the damage to my report Law Violated : FCRA 1681s-2 ( b ) duty to investigate and correct inaccurate information after dispute, 1681e ( b ) failure to maintain accuracy, 1681i failure to reinvestigate XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Inquiry Issue : I did not authorize this inquiry and have not applied for any credit with XXXX XXXX XXXXXXXX on or around the reported date the inquiry was pulled without my consent and without permissible purpose causing unjustified harm to my credit score Law Violated : FCRA 1681b ( f ) limitations on obtaining a consumer report, 1681n civil liability for willful noncompliance, 1681q obtaining information under false pretenses Experian has violated its statutory obligations to ensure the accuracy integrity and fairness of the information it furnishes and maintains on my consumer file these errors have caused me significant emotional distress financial loss and multiple credit denials including rejections for housing and credit-based employment offers I respectfully urge the CFPB to investigate Experians reporting practices and enforce compliance with the FCRA I request that the above-mentioned addresses inquiries and account be permanently removed and that I receive a written confirmation of resolution

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