Consumer complaint received 2025-07-04 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 formal complaint against Experian for reporting multiple inaccurate and unverifiable accounts, including incorrect address information and collections, late payments, and charge-offs that are causing substantial harm to my credit profile. Despite repeated attempts to dispute these items directly with Experian, they continue to report inaccurate, incomplete, and unverified information in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The following issues are still being reported on my credit file and must be investigated and corrected or removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is inaccurately listed on my credit report. I have never lived at, received mail at, or been associated with this address. This constitutes a violation of 15 U.S. Code 1681e ( b ), which requires Experian to maintain maximum possible accuracy. Reporting an incorrect address contributes to the misassociation of accounts and potential identity confusion XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3000.00} Charge Off This account is reported as a charge-off, which is inaccurate and unverified. I requested validation, but no proper documentation or original contract was provided by the furnisher. This violates 15 U.S. Code 1681i ( a ) ( failure to reinvestigate disputed information ), and 15 U.S. Code 1692g ( b ) under the FDCPA, which requires verification of debts before continuing collection or reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$840.00} Late Payment This account is being reported with late payments, which I dispute as inaccurate. I requested proof of the delinquency, but none was provided. Continuing to report this negatively affects my creditworthiness and violates 15 U.S. Code 1681e ( b ) and 1681i ( a ) for failure to ensure accuracy and reinvestigation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1600.00} Late Payment This entry contains false late payment history. I sent a dispute requesting validation, and to date, no evidence has been provided that supports the reported delinquencies. This is in direct violation of 15 U.S. Code 1681s-2 ( b ), which mandates furnishers to investigate and correct inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1200.00} Late Payment This tradeline is reporting late payments that are not accurate. The creditor failed to validate the derogatory entries after I disputed it. This violates FCRA 1681i ( a ) and 1681e ( b ) because the reinvestigation was not reasonable, and the information remains inaccurate XXXX XXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$30000.00} Late Payment This account reports multiple late payments which are in dispute. No adequate documentation has been produced to verify the timing or cause of those alleged delinquencies. This failure to validate and correct errors after being notified violates FCRA 1681s-2 ( b ) and 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$100.00} Charge Off This charge-off is inaccurate and not properly validated. I submitted dispute documentation requesting validation of the debt, but neither XXXX nor Experian provided any legally sufficient proof. Reporting unverifiable negative information violates FCRA XXXX ( a ) and FDCPA XXXX ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$160.00} Charge Off This account was never validated after I requested documentation proving the debt. It remains on my report as a charge-off, harming my credit profile. This is a violation of my consumer rights under FCRA 1681s-2 and FDCPA 809 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$120.00} Charge Off This entry is inaccurate and unverifiable. No original contract or statement has been provided despite multiple requests. Reporting unverified information is a violation of FCRA 1681e ( b ) and 1681i ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$310.00} Collection This collection account is inaccurate. I have never received proper notification from the collector nor any documentation supporting the debt. Continuing to report without validation violates FCRA 1681i ( a ) and FDCPA 809 ( a ) and 807 ( 8 ) for misleading representation of a debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$6000.00} Collection This collection was not properly validated after I sent disputes. The amount is inaccurate and no proof of ownership or itemized billing was provided. Under FCRA 1681i and FDCPA 809 ( b ), the debt must be verified or removed XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2700.00} Collection This item is inaccurate and not validated. I challenged this entry with Experian, and they failed to perform a reasonable investigation or provide documentation from the furnisher. This violates FCRA 1681i and FDCPA 807 ( 8 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$420.00} Collection This is an invalid collection account that was not validated or substantiated. Reporting unverified collections violates FCRA 1681e ( b ) and FDCPA 809 ( b ). My rights as a consumer were violated by Experian and the data furnisher by failing to investigate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$390.00} Charge Off This charge-off is being reported inaccurately. I never received validation from XXXX XXXX or Experian regarding this amount. It remains unverified and continues to cause harm. This is a violation of FCRA 1681i and 1681e ( b ) and FDCPA 809 ( a ) In light of the above, I demand that Experian immediately delete or correct all inaccurate, incomplete, or unverifiable information from my credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq ) and Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq ). These violations have caused significant damage to my creditworthiness, mental distress, and financial well-being. I am requesting that the Consumer Financial Protection Bureau intervene to ensure Experian complies with federal law and conducts a proper and lawful reinvestigation into these disputes.

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