Consumer complaint received 2025-06-25 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:
To Whom It May Concern, I am writing to file a formal complaint against Experian for reporting multiple inaccurate, outdated, and unverifiable items on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have made prior attempts to dispute these inaccuracies directly with Experian, but my concerns remain unresolved.

Additionally, my report contains wrong addresses where I have never lived. This inaccurate information is contributing to identity confusion and is damaging to my personal and financial life. 
Wrongly Reported Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address FCRA 1681e ( b ) requires that Experian must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting false addresses violates this duty. 
Disputed Accounts XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : Charge Off Issue : This account is inaccurately reported as a charge-off, even though I had previously communicated with the lender regarding financial hardship and expected adjustments under the CARES Act. 
Law Cited : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate information CARES Act Section 4021 Lenders must not report delinquencies if accommodations were made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : Charge Off Issue : This account should not reflect a charge-off. I was never properly notified of the charge-off nor given a chance to rectify the issue. 
Law Cited : FCRA 1681i Right to dispute incomplete or inaccurate information FCRA 1681e ( b ) Reasonable procedures not followed to ensure accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This charge-off was never validated. I requested proof of debt, but none was provided, violating my right to validation. 
Law Cited : FCRA 1681g Right to full disclosure 15 U.S.C. 1692g ( b ) Debt collector must cease collection until debt validation is provided XXXX XXXX XXXX Account # : XXXXXXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This collection account appears with inconsistent data and no proper validation. I never received a notice of debt from XXXX. 
Law Cited : 15 U.S.C. 1692g ( a ) Debt collector must provide notice of debt FCRA XXXX ( b ) Duty to report accurate and verifiable information XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection Issue : XXXX has a long history of reporting unverifiable and re-aged debts. I never received validation or original creditor information. This item should be deleted. 
Law Cited : FCRA 1681s-2 ( b ) Obligation of furnishers upon notice of dispute 15 U.S.C. 1692g Debt must be validated upon request XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account reported late payments during the XXXX pandemic, despite my participation in a payment deferment plan. These late marks should be removed. 
Law Cited : CARES Act Section 4021 FCRA 1681c ( a ) ( 5 ) Obsolete and misleading data should be excluded XXXX XXXX XXXX Account # : XXXX * High Balance : {$7100.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : I have never received full itemization or validation of this alleged debt. The reporting also lacks the original agreement. 
Law Cited : 15 U.S.C. 1692g Failure to provide debt validation FCRA 1681e ( b ) Inaccurate and unverifiable reporting XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  High Balance : {$10000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : Late payments have been reported inaccurately. My records show I was on an extended payment plan due to financial hardship, which was not respected in the reporting. 
Law Cited : FCRA 1681s-2 ( a ) ( 1 ) ( A ) CARES Act Section 4021 Hard Inquiry XXXX CXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I never authorized this inquiry. This is a violation of my right to privacy and was done without my consent. 
Law Cited : FCRA 1681b ( c ) Permissible purpose required for credit inquiries FCRA 1681b ( f ) Obtaining consumer report under false pretenses is unlawful Final Statement I am a law-abiding citizen who has experienced significant harm from the continued reporting of inaccurate and unverifiable items. Experians failure to maintain the accuracy and integrity of the data it reports is unacceptable and has caused me emotional and financial distress. 
I demand the immediate deletion or correction of the accounts and addresses listed above in accordance with the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved, I intend to pursue further legal remedies, including escalating the matter through the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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