Consumer complaint received 2025-06-27 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:
To CFPB, I am submitting this formal complaint against Experian for their continuous failure to correct multiple inaccurate items and inquiries appearing on my credit report despite multiple dispute attempts. I have not submitted an FTC report yet, but my complaint with CFPB is currently open. I am now requesting urgent intervention and enforcement action, as my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 have been repeatedly violated by Experian. I have suffered damages due to these inaccurate entries, including credit denials, high interest rates, and emotional distress. The following inaccurate information is being reported by Experian : Wrong Address Reporting : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX This address does not belong to me and I have never lived here. Reporting this address is a direct violation of 15 U.S. Code 1681e ( b ) failure to maintain maximum possible accuracy. 
XXXX XXXX XXXX XXXX, TX XXXX I have no association with this address. Repeated inclusion violates FCRA 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate disputed information. 
Inaccurate Account Reporting : XXXX XXXX Acct : XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX This account is being reported as a charge-off, which is inaccurate. I have requested validation but no sufficient evidence was provided. Continuing to report this without verification violates FCRA 1681i ( a ) and FCRA 1681s-2 ( b ) failure to investigate and correct inaccurate data. 
XXXX XXXX Acct : XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX This account shows late payments which are incorrect. I never received proper billing notifications and XXXX XXXX has failed to provide proof. Experian is in violation of FCRA 1681e ( b ) for not ensuring data accuracy. 
XXXX Acct : XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX This account is being reported with late payments, which I formally disputed. No response or investigation results have been provided. Continued reporting without verification breaches FCRA 1681i and FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
Unauthorized/Inaccurate Hard Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry, and I have no existing relationship with this lender. Reporting without permissible purpose violates FCRA 1681b ( f ). 
XXXX XXXX XX/XX/XXXX XXXX did not apply for credit or give authorization to this company. This is a violation of FCRA 604 ( a ) ( 3 ). 
XXXX XXXX XXXX XX/XX/XXXX No application made. Unauthorized access to my credit file violates FCRA 1681b. 
XXXX XXXX XXXX XX/XX/XXXX I never initiated any transaction with this company. Reporting is illegal under FCRA 1681b ( c ). 
XXXX XXXX XXXX XX/XX/XXXX This inquiry was done without my consent or request. Violates FCRA Section 604. 
XXXX XXXX XX/XX/XXXX No account or application exists on this date. This is an unwarranted inquiry. Violates FCRA 1681b ( f ). 
XXXX XXXXXXXX XXXX XX/XX/XXXX I have not engaged with this dealership. This is an unauthorized inquiry. Violates FCRA 604 ( a ) ( 3 ). 
XXXX XXXX XX/XX/XXXX Never did business or gave permission for credit access. Illegal inquiry under FCRA 1681b ( f ). 
XXXX XXXX XX/XX/XXXX I did not authorize this credit check. They had no legal grounds. Violates FCRA 1681b. 
XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX No application submitted. Inquiry not permissible. Violates FCRA 604 ( a ) ( 3 ). 
XXXXXXXX XXXX  XXXX XX/XX/XXXX This inquiry was done without authorization or notice. Illegal under FCRA 1681b. 
XXXX XXXX XX/XX/XXXX No record of application or consent. This is an unauthorized inquiry under FCRA Section 604. 
XXXX XX/XX/XXXX I never applied for any account on this date. This is a clear FCRA violation 1681b ( c ). 
XXXX XXXX XX/XX/XXXX I did not initiate this inquiry. No consent was given. Violates FCRA 604 ( a ) ( 3 ). 
Experian has failed to uphold their obligations under FCRA to maintain maximum possible accuracy, conduct reasonable reinvestigations, and prevent the reporting of inaccurate, unverifiable, and unauthorized data. These repeated violations of 15 U.S. Code 1681e ( b ), 1681i, and 1681b have caused me substantial harm including credit denials, emotional distress, and the loss of financial opportunities. I am requesting that CFPB immediately enforce compliance, order the deletion of inaccurate accounts and inquiries, and hold Experian accountable for its ongoing misconduct. I am also requesting all supporting documents, investigation results, and reinvestigation records under FCRA 609 ( a ) ( 1 ). Please help me get justice and restore the accuracy and integrity of my credit profile.

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