Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ). Despite prior attempts to resolve these issues directly with Experian, they have failed to correct or investigate inaccurate information. My report contains wrong address reporting, inaccurate late payments, charge-offs, and unauthorized inquiries, which have severely impacted my creditworthiness, caused emotional distress, and denied me access to fair lending. 
I am requesting the CFPB to conduct an investigation and enforce my rights under the FCRA Sections 602, 604, 605, and 611. 
XXXX. Incorrect Address Reported : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Issue : This address is inaccurate and not associated with me. I never resided at or authorized reporting of this location. 
Violation : FCRA 605 ( a ) Inclusion of inaccurate personal identifiers is misleading and damaging. 
Remedy Requested : Immediate deletion of this address from my Experian credit file. 
XXXX. XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Issue : This account shows late payments that are not accurate. I have evidence of timely payments or dispute the validity of the account reporting. 
Violation : FCRA 611 ( a ) Failure to ensure accuracy in disputed account data. 
Background : I previously requested validation and correction of this tradeline, but Experian failed to reasonably investigate. 
Remedy Requested : Full reinvestigation, deletion or correction of the late payments. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$1.00} Issue : This account is reporting late payment inaccurately. There is no valid reason to show delinquency, and XXXX XXXX has not provided proof of valid reporting. 
Violation : FCRA 607 ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy. 
Background : This erroneous late mark has dropped my credit score and affected loan eligibility. 
Remedy Requested : Deletion of the inaccurate late payment history. 
XXXX. XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is listed as a charge-off, but I dispute the accuracy and legitimacy of the debt. It was either settled or never owed. 
Violation : FCRA 611 & FDCPA 809 Lack of proper verification of debt and failure to investigate dispute. 
Background : This reporting continues to harm my creditworthiness, despite the account being resolved. 
Remedy Requested : Permanent removal of this charge-off tradeline from my credit file. 
XXXX. XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This tradeline shows late payment, which is inaccurate. I had made arrangements with the creditor, which should have been honored and not reported negatively. 
Violation : FCRA 611 & 607 Failure to report account with maximum possible accuracy. 
Background : The incorrect late mark has contributed to denials for credit cards and auto loans. 
Remedy Requested : Full correction or deletion of late payment data. 
6. Hard Inquiries Without Proper Authorization : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this inquiry, nor did I initiate any application with XXXX on this date. 
Violation : FCRA 604 Permissible purpose required before accessing a consumer report. 
Remedy Requested : Deletion of this unauthorized inquiry and investigation into how it was initiated. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Similarly, I did not apply for credit with XXXX XXXX XXXX, and no authorization was granted. 
Violation : FCRA 604 ( a ) ( 3 ) No permissible purpose for this inquiry. 
Remedy Requested : Deletion of this unauthorized inquiry and record of inquiry access. 
Conclusion : Experian has consistently failed to maintain the accuracy and integrity of the information they furnish. Their inaction violates multiple provisions of the FCRA, including but not limited to 604, 605, 607, and 611. I am seeking CFPB assistance to : Initiate a full-scale investigation into Experian 's failure to verify and correct the above items. 
Force reinvestigation or deletion of all inaccurate items listed. 
Ensure Experian follows all legal obligations under the FCRA moving forward. 
This complaint is made in good faith and supported by documentation that can be provided upon request.

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