Consumer complaint received 2026-01-21 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 submitting this complaint against Experian for repeatedly reporting inaccurate, unverifiable, duplicated, and misleading information on my consumer credit report despite multiple disputes. Experian has failed to follow reasonable procedures to assure maximum possible accuracy as required under the Fair Credit Reporting Act and continues to publish information that is incomplete, conflicting, and legally defective, in violation of 15 U.S.C. 1681e ( b ) and 1681i. 

Experian is reporting an address that does not belong to me, specifically XXXX XXXX, XXXX, TX XXXX. This address is an inaccurate personal identifier and materially increases the risk of a mixed or erroneous credit file. The continued reporting of this incorrect address violates Experians obligations under the Fair Credit Reporting Act.

Experian is reporting multiple charge-off accounts that I have no knowledge of and that have never been properly validated by the original creditors. XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$470.00}, is listed as a charge off without lawful validation. XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$55.00}, is also reported as a charge off without verification. XXXX XXXX/ Lead account ending XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$260.00}, continues to be reported as a charge off without proof of accuracy or liability. XXXX  account ending XXXXXXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$280.00}, is also reported as a charge off without lawful validation from the original creditor. 

Experian is also reporting late payment information that does not reflect my true payment history and is unsupported by verified documentation. XXXX account ending XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$0.00}, and XXXX account ending XXXX * *, opened on XX/XX/XXXX with a balance of {$0.00}, are both reporting late payments despite XXXX balances. XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}, is also reporting a late payment without documentation. The reporting of these late payments violates the maximum accuracy and reinvestigation requirements of the Fair Credit Reporting Act. 

Experian continues to report multiple collection accounts that I have no knowledge of and that have never been properly validated as required by federal law. XXXX XXXX XXXX account ending XXXX *, opened on XX/XX/XXXX with a balance of {$950.00}, is reported as a collection without lawful validation. SecurityCred account ending XXXXXXXX XXXX  opened on XX/XX/XXXX with a balance of {$430.00}, is also reported as a collection without verification. XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1300.00}, continues to be reported as a collection without validation. XXXX XXXX XXXX account ending XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1600.00}, is also reported as a collection without proper notice or lawful validation. The continued reporting of these unvalidated collection accounts violates 15 U.S.C. 1681s-2 ( a ) and 12 CFR 1006.34 ( b ) ( 5 ).

Finally, Experian is reporting credit inquiries that I did not authorize and that were not made for any permissible purpose as defined under 15 U.S.C. 1681b. These include inquiries from XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The continued reporting of these unauthorized inquiries is unlawful. 

Despite notice and disputes, Experian has failed to conduct a reasonable reinvestigation and has continued to report inaccurate, duplicated, and unverifiable information. I am requesting CFPB assistance to require Experian to comply with the Fair Credit Reporting Act, remove the incorrect address, delete or correct all inaccurate and unverifiable accounts and inquiries listed above, and ensure that my credit report reflects only accurate, complete, and properly validated information.

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