Consumer complaint received 2025-10-27 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:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian Information Solutions , Inc. and several data furnishers for continuously reporting inaccurate, unverifiable, and misleading information on my credit report, despite multiple previous disputes and written requests for correction. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), yet the bureaus and creditors have failed to perform proper reinvestigations and continue to report false information that is severely damaging my credit reputation and financial standing. 
Inaccurate Personal Information Remove Immediately XXXX WXXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses have no connection to me, my employment, or my verified place of residence. Reporting inaccurate addresses may lead to identity confusion and potential mixed-file errors, which violate FCRA 607 ( b ). Please delete all the above addresses immediately. 
Accounts Reporting Inaccurate Information SELFINC/LEAD XXXXXXXX XXXX XXXX  High Balance : {$420.00} | Date Opened : XX/XX/XXXX This account falsely shows a late payment. I have never made late payments to this creditor, and such reporting is factually incorrect. Please correct all late payment marks immediately. 
XXXX  XXXX XXXXXXXX XXXX High Balance : {$470.00} | Date Opened : XX/XX/XXXX This account is showing as a charge-off, which is completely inaccurate. I have no knowledge of any such charge-off. Please delete this account entirely as it can not be verified. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$1200.00} | Date Opened : XX/XX/XXXX Late payment reporting is wrong and unsupported. I have maintained timely payments, and this misinformation is damaging my credit. Correct this error immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$630.00} | Date Opened : XX/XX/XXXX Reported as a charge-off without my consent or verification. I do not recognize this account. Please delete this entry entirely. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$24000.00} | Date Opened : XX/XX/XXXX Reported as charge-off, which is untrue. I never defaulted on this account. Please correct or remove immediately. 
XXXX XXXX XXXX XXXX High Balance : {$720.00} | Date Opened : XX/XX/XXXX Late payments are being reported incorrectly. I request full correction to Paid As Agreed status. 
XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX High Balance : {$250.00} | Date Opened : XX/XX/XXXX Unknown account. No contract or notice was received. Please remove this unverifiable collection. 
XXXX XXXX XXXX High Balance : {$4800.00} | Date Opened : XX/XX/XXXX Collection reported in error. I have no knowledge of any debt with this company. Must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$360.00} | Date Opened : XX/XX/XXXX Duplicate collection entry for the same alleged account. This is a violation of FCRAs accuracy requirement. Delete all duplicates. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6500.00} | Date Opened : XX/XX/XXXX I do not recognize this collection. No documentation has been provided proving ownership. Must be deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX Reported as charge-off even though there is no balance or delinquency. This is inaccurate and misleading. Remove immediately. 
Unauthorized Hard Inquiries XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization or permissible purpose under FCRA 604 ( a ). I am demanding that all these hard inquiries be removed immediately, as they are negatively impacting my credit score and were not initiated by me. 
Failure to Reinvestigate Despite filing disputes directly with Experian, they failed to conduct a lawful reinvestigation as required under FCRA 611 ( a ) ( 1 ). Instead of verifying the accuracy of these items, Experian continues to report them without providing any supporting evidence, contracts, or signed agreements. This demonstrates willful noncompliance and negligence. 
Requested Relief I respectfully request that the CFPB : XXXX. Investigate Experian and all named furnishers for violating the Fair Credit Reporting Act. 
XXXX. Require the immediate deletion of all unverifiable, duplicate, and inaccurate accounts. 
XXXX. Mandate removal of the wrong addresses linked to my credit file. 
XXXX. Order the removal of all unauthorized inquiries. 
XXXX. Ensure full compliance with the FCRA by requiring all furnishers to provide signed, verifiable documentation for any information reported. 
I am attaching copies of my previous dispute correspondence, identification, and credit report excerpts as evidence. I request the CFPBs assistance in holding these entities accountable for their repeated negligence and in restoring the accuracy and integrity of my credit profile. 
Thank you for your time and attention to this matter.

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