Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I am filing this complaint against Experian for knowingly reporting false addresses, inaccurate and unverifiable accounts, and unauthorized inquiries on my credit report. Despite submitting a prior dispute, XXXX  failed to reasonably investigate or correct the information. This negligence violates my rights under the Fair Credit Reporting Act ( FCRA 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( FDCPA 15 U.S. Code 1692 ). Below are the detailed issues : Wrong Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : I have never resided at or used this address for any purpose. 
Law Violated : FCRA 1681e ( b ) CRA must ensure maximum possible accuracy. 
Story : This address is completely unconnected to me. Its presence on my report misrepresents my identity and increases the risk of fraud and mistaken file merges. It has led to confusion in my applications and causes unnecessary reputational harm. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : Not my current or past address. 
Law Violated : FCRA 1681e ( b ) Story : I have no relationship with this location. False addresses like this increase the chance of wrong account attachments and negatively affect my credit profile integrity. 
Accounts with Inaccuracies and Legal Violations XXXX XXXX Acct : XXXX Issue : Account does not belong to me. 
Law Violated : FCRA 1681i ( a ), 1681e ( b ) Story : I have no business with XXXX XXXX XXXX XXXX XXXX. This could be an identity theft case or misfiled account. XXXX  failed to provide proper verification or remove it despite a prior dispute. 
XXXX XXXX XXXX Acct : XXXX Issue : Incorrect late payment entries. 
Law Violated : FCRA 1681s-2 ( b ) Story : Payments were made on time. I contacted the creditor, who confirmed no delinquency. XXXX  ignored both the evidence and dispute, continuing to misreport this and damaging my credit history. 

XXXX XXXX XXXX Acct : XXXXXXXX XXXX Issue : No validation or communication. 
Law Violated : FDCPA 809, FCRA 1681i Story : I never received notice of this debt. XXXX  is reporting it without validating the origin, terms, or ownership of the account. This violates my right to dispute and verify. 

XXXX XXXX XXXX Acct : XXXX Issue : No prior notification or proof. 
Law Violated : FDCPA 807 ( 8 ), FCRA 1681c-2 Story : I do not know or owe this company. Theyve never contacted me. This account might be mistakenly or fraudulently assigned. XXXX  still refuses to remove it. 

XXXX XXXX XXXX Acct : XXXXXXXX XXXX Issue : Unverified and unknown debt. 
Law Violated : FDCPA 809 ( a ), FCRA 1681s-2 Story : Ive never been contacted about this debt. There is no supporting information, and yet XXXX  reports it, causing unfair damage. 

XXXX XXXX XXXX Acct : XXXXXXXX XXXX Issue : Identity theft suspected. 
Law Violated : FCRA 1681c-2 Story : I never opened this account. I suspect my data was used without my consent. I submitted a fraud affidavit, but XXXX  has failed to block or remove the account. 

XXXX XXXX XXXX Acct : XXXXXXXX XXXX Issue : Duplicate account entry. 
Law Violated : FCRA 1681e ( b ) Story : This account appears to be a duplicate of an earlier one reported by the same agency. Double listing is misleading and inflates my credit utilization and delinquency profile. 

XXXX XXXX Acct : XXXX Issue : System error caused false reporting. 
Law Violated : FCRA 1681s-2 Story : My payment was received, but a billing glitch caused false late reporting. The creditor acknowledged it, but XXXX  wont correct it. This has cost me credit approvals. 

XXXX XXXX XXXX Acct : XXXXXXXX XXXX  Issue : New fraudulent entry. 
Law Violated : FCRA 1681c-2 Story : I believe this is fraudulent. The timing and amount are suspicious. Ive reported identity theft, but XXXX  still reports the account. 

Unauthorized Hard Inquiries XXXX XXXX XXXX  XX/XX/2024 Issue : I never applied for mortgage credit or gave consent. 
Law Violated : FCRA 604 ( a ) ( 3 ) Story : These inquiries were made without my permission. I did not submit any mortgage applications on those dates. XXXX failed to verify their legitimacy and has allowed unauthorized access to my credit file. 
Requested Relief from CFPB : 1. Investigate Experian for repeated violations of FCRA and FDCPA. 
2. Instruct Experian to immediately remove all inaccurate, unverifiable, and unauthorized information.

3. Compel Experian to provide method of verification for all verified accounts.

4. Ensure Experian improves its dispute resolution process to prevent future negligence.

5. Consider sanctions or fines for negligent reinvestigation and reporting practices.

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