Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I am filing this formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq., and related federal protections. Despite my repeated attempts to resolve these issues directly with Experian, inaccurate, outdated, and unverifiable information continues to be reported on my credit file, causing me severe financial and emotional distress. The information outlined below remains on my Experian credit report in clear violation of federal laws, and I demand immediate investigation, correction, and accountability XXXX XXXX XXXX XXXX XXXX, GA XXXX Issue : Wrong Address This address is incorrectly being reported as associated with me. I have never lived at this address and have no connection to it. Reporting this false address violates 15 U.S.C. 1681e ( b ) which requires Experian to follow reasonable procedures to assure maximum possible accuracy. This is causing confusion, misidentification, and potential fraud exposure XXXX  Account # : XXXXXXXX XXXX XXXX XXXX High Balance : {$160000.00} Date Opened : XX/XX/XXXX Issue : Charge Off This account is being reported as a charge-off, which is inaccurate. I have disputed this with supporting documentation, yet Experian has failed to conduct a reasonable investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The failure to verify or correct this information within the statutory time frame is a direct violation of federal law. This entry is misleading and is damaging my creditworthiness and credibility. The FCRA requires that any data that can not be verified be deleted. Additionally, I was not provided with proper notice of negative information under 15 U.S.C. 1681m ( a ) XXXX XXXX XXXX Reference # : XXXX Court : U.S. Bankruptcy Court Issue : Bankruptcy Reporting This bankruptcy reference is outdated and should have been removed. It exceeds the 10-year federal reporting period under 15 U.S.C. 1681c ( a ) ( 1 ). Continued reporting of this item is unlawful and harmful. Experians failure to remove this information even after the maximum allowable time period has expired constitutes willful noncompliance with federal regulations, and I reserve the right to pursue damages accordingly XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I did not authorize this hard inquiry, and no permissible purpose was provided. This is a clear violation of 15 U.S.C. 1681b ( c ) which mandates that consumer reporting agencies may only release a consumer report with the consumer 's consent or for legitimate reasons such as a credit application. This inquiry has affected my credit score negatively and without my permission XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I have never applied for credit with this entity. This hard inquiry was done without my consent, violating the permissible purpose clause under the FCRA 15 U.S.C. 1681b. Experian has failed to remove this despite disputes, breaching its responsibility to ensure accurate reporting and protect consumer rights XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry This inquiry was not authorized and has no legitimate purpose connected to any application I initiated. Continued reporting of unauthorized access to my credit profile is a violation of my consumer rights under 15 U.S.C. 1681b. The failure to remove such inquiries also shows Experians lack of proper verification procedures XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I did not grant permission for this inquiry. It is damaging my credit profile unjustly. This violates the Fair Credit Reporting Act 's provisions about permissible purpose and is part of a pattern of negligence and disregard by Experian towards my consumer rights and disputes Despite repeated written disputes, Experian has failed to uphold its legal obligation under 15 U.S.C. 1681i to investigate disputes within 30 days and remove unverifiable or inaccurate information. The continued reporting of false, outdated, and unauthorized data shows willful neglect of federal law and has caused me credit denials, increased interest rates, loss of financial opportunities, and emotional distress. I am requesting that the CFPB investigate Experian for systemic FCRA violations, compel the removal of all inaccurate and unverifiable data listed above, and take enforcement action to ensure Experian 's future compliance with federal law. I am also reserving my right to pursue private legal action under 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 1681o for negligent noncompliance with the FCRA

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