Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
To Whom may I Concern I previously submitted a dispute regarding the accounts and addresses listed below, yet the inaccuracies remain. I have an active Consumer Financial Protection Bureau ( CFPB ) complaint open, and I am preparing documentation for submission to the Federal Trade Commission ( FTC ) for further escalation if unresolved. 
Disputed Addresses Not Mine The following addresses are incorrect and should be removed immediately as they do not belong to me and are violations under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ) for failing to ensure maximum possible accuracy : XXXX XXXX XXXX XXXX, CA XXXX Never resided at this location XXXX XXXX XXXX XXXX, CA XXXX Never resided here either Disputed Accounts Inaccurate or Unverified The following accounts are reporting inaccurate information, have not been verified properly, or include serious errors. I am demanding reinvestigation under FCRA 15 U.S.C. 1681i and deletion if Experian can not provide a full method of verification from the original creditorsnot just from third-party debt collectors or data furnishers. 
XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge Off High Balance : {$2200.00} | Opened : XX/XX/XXXX Issue : This account continues to report a charge-off status although it has aged beyond legal collection timeframe and is not being validated properly. It may also violate the 7-year reporting limit under FCRA 1681c ( a ). 
XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge Off High Balance : {$3400.00} | Opened : XX/XX/XXXX Issue : This charge-off was never validated, and I was never notified of default. This violates FCRA 623 ( b ) and lacks documented proof of responsibility or accurate balance. 
XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Status : Charge Off High Balance : {$4500.00} | Opened : XX/XX/XXXX Issue : This account is reported inaccurately with inconsistent balance and payment history. It was never verified with proper documentation under FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge Off High Balance : {$480.00} | Opened : XX/XX/XXXX Issue : This account was paid/settled earlier but still reports as charged-off. This violates the principle of fair and timely updates per FCRA 1681s-2 ( a ) ( 2 ) ( A ). 
XXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Late Payment High Balance : {$440.00} | Opened : XX/XX/XXXX Issue : The reported late payments are in dispute and do not match my personal records. No proof of delinquency has been provided. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge Off High Balance : {$5300.00} | Opened : XX/XX/XXXX Issue : This charge-off is still within dispute and has not been validated. There is no original creditor signature, contract, or billing history provided. 
XXXX XXXX XXXX  Account # XXXX Status : Charge Off High Balance : {$1100.00} | Opened : XX/XX/XXXX Issue : This account is being reported with multiple inaccuracies in balance and date of delinquency. I never received formal notification of the default status. 
XXXX. XXXX  XXXX Account # XXXX Status : Charge Off High Balance : {$420.00} | Opened : XX/XX/XXXX Issue : Same issues as above unvalidated and possibly misattributed to my credit report. 
XXXX. XXXX Account # XXXX * * * * * * Status : Late Payment High Balance : {$1700.00} | Opened : XX/XX/XXXX Issue : The late payment history is inaccurate. Payments were made within grace period, yet incorrectly flagged. This violates FCRA 623 ( a ) ( 1 ) ( A ). 
10. U.S. Bankruptcy Court Reference # XXXX Status : Bankruptcy Closing Date : XX/XX/XXXX Issue : This bankruptcy is outdated and beyond the permissible 7-year reporting limit for public records under FCRA 605 ( a ) ( 1 ).

Conclusion & Legal Notice I demand that Experian take the following actions immediately : Delete the incorrect addresses listed above Remove or correct the accounts listed above where Experian can not provide full validation from the original creditor Provide method of verification for each item if you choose to keep them Failure to comply will result in formal complaints to the FTC, continued escalation with the CFPB, and potential legal action for non-compliance under FCRA 616 & 617, which permits actual and punitive damages for willful or negligent noncompliance. 
Please complete this reinvestigation within 30 days of receipt, as mandated by law, and provide me with a written response of your findings.

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