Consumer complaint received 2025-07-04 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: NC

Complaint narrative:
To whom it may concern I am filing this complaint against Experian for multiple and serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. Despite my previous dispute efforts, Experian has continuously failed to conduct proper investigations, report accurate information, and remove invalid or unverifiable data from my credit file. These errors are causing significant and ongoing damage to my creditworthiness, financial opportunities, and peace of mind. Below are the items currently being reported inaccurately on my credit report by Experian : XXXX XXXX XXXX XXXX, NC XXXX Wrong Address This address is incorrect and has never been associated with me. I have never lived, worked, or received mail at this address. Reporting of this inaccurate address constitutes a violation of FCRA 15 U.S.C 1681e ( b ) which requires credit bureaus to maintain maximum possible accuracy. It also opens me up to potential identity theft and misassociation of accounts not belonging to me. I have repeatedly requested removal, yet Experian has continued reporting it negligently. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1300.00} Late Payment This account reflects inaccurate late payment history that I dispute. I never received proper notice of delinquency, and no validation of debt has been provided upon my request. This violates FCRA 1681i ( a ) for failure to reinvestigate and FDCPA 809 ( b ) for lack of debt validation. This account may also result from predatory lending or unfair billing practices, and Experian has failed to verify the accuracy with the furnisher. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$460.00} Late Payment I dispute the late payment reporting as Experian failed to verify XXXX accuracy with XXXX Bank. Under FCRA XXXX, the bureau must reinvestigate any item disputed by the consumer. Additionally, any reporting without verifying the debt is misleading under XXXX ( b ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$670.00} Late Payment This account is reporting a late payment that is not valid. I made timely payments, and I have supporting documentation. XXXX failure to correct this false report despite notice and evidence violates FCRA 1681i and 1681e ( b ). Such negligent reporting damages my ability to obtain new credit. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$700.00} Late Payment The account includes false derogatory payment history. I never received validation or breakdown of payments. This is a violation of FCRA 1681i ( a ) and the FDCPA 807 for reporting false or misleading information to a credit bureau. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$500.00} Late Payment This entry continues to reflect a late payment inaccurately. I made several attempts to dispute this with no proper reinvestigation from Experian. FCRA 1681s-2 ( b ) obligates furnishers to correct inaccurate information, and Experians failure to ensure accuracy violates 1681e ( b ). 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2600.00} Charge Off This account is reporting a charge-off that is not valid or verified. I was never served proper notice of charge-off. Under FCRA 1681i and FDCPA 809 ( b ), Experian must cease reporting if the debt is not validated. Reporting a charge-off without proper notice and verification is deceptive. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3200.00} Late Payment This account contains false payment history and I dispute the reporting. Experian did not properly investigate under FCRA 1681i. I never received billing statements for the reported delinquencies, and no documentation has been provided to validate the debt. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} Late Payment The late payment is not accurate. I submitted documentation to Experian, but no corrective action has been taken. This demonstrates Experians willful or negligent failure to maintain accuracy as required under 1681e ( b ) and 1681i. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$42000.00} Late Payment This high-balance account is reporting incorrect late payment history that I have disputed multiple times. Experian failed to provide investigation results or any validation from the furnisher. This is a clear violation of FCRA 1681i and 1681e ( b ), severely impacting my credit file. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$59000.00} Late Payment A recent account with an extremely high balance is being reported with inaccurate late payments. No billing record, contract, or proof of delinquency has been provided. This unverified reporting by Experian violates 1681i, 1681e ( b ), and shows reckless disregard for accuracy. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$100.00} Charge Off XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$290.00} Charge Off XXXX  XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$200.00} Charge Off XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$270.00} Charge Off XXXX  XXXX XXXX * * Date Opened : XX/XX/XXXX High Balance : {$200.00} Charge Off These multiple XXXX  charge-off entries appear to be duplicate, erroneous, and unverified. There has been no notice of charge-off, no statement of delinquency, and no validation from XXXX. Experian is knowingly reporting negative items without proper investigation in violation of 1681i and 1681e ( b ). These entries suggest a failure of procedural safeguards. 
XXXX  XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$150.00} Late Payment XXXX   XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$210.00} Late Payment These two entries reflect false late payment history that I dispute. I was never notified of delinquency, and no payment history records have been shared with me. Experian has failed to follow reasonable procedures to assure accuracy under 1681e ( b ) and has ignored my dispute rights under 1681i. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$920.00} Late Payment I dispute this account based on inaccurate payment status. I have no contractual obligation or statement proving this late payment. This account may also be the result of identity fraud or mixed file, and Experian failed to investigate thoroughly as required by FCRA 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$7300.00} Late Payment This newly opened high-balance account shows an immediate late payment, which is inaccurate. This is likely an error in reporting, and Experian has not taken the proper steps to verify accuracy. This violates 1681e ( b ) and my rights under 1681i.

Experian is repeatedly and willfully violating my rights as a consumer by failing to ensure accurate reporting, failing to properly investigate disputes, and continuing to report information that is incomplete, unverifiable, and damaging. These continued violations demonstrate willful noncompliance and entitle me to relief under FCRA 616 and 617. I am requesting the Consumer Financial Protection Bureau to investigate Experians failure to comply with the law and compel them to immediately remove or correct all disputed items. I further request that the CFPB hold Experian accountable for these ongoing and harmful reporting violations which are severely impacting my credit and life.

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