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: OH

Complaint narrative:
I am filing this formal complaint against Experian for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ). Experian has consistently reported inaccurate and unverifiable information on my credit report despite multiple attempts to correct these errors. These inaccuracies are severely impacting my financial stability, creditworthiness, and mental well-being. The following accounts and information being reported are either incorrect, unverifiable, or a result of mishandling and negligence in maintaining accurate consumer information. I am requesting immediate deletion or correction of the following information under the authority granted by FCRA 1681i ( Procedure in case of disputed accuracy ), 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ), and 1681c ( requirements relating to information contained in consumer reports ) XXXX XXXX XXXX XXXX XXXX, OH XXXX Wrong Address This address does not belong to me. Reporting this false address is a violation of FCRA 1681e ( b ) and 1681c. It suggests mixing of files or identity confusion. I have never lived or conducted any financial activity from this address. Reporting incorrect personal information harms my credit profile and can contribute to fraudulent linkage. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Wrong Address This address is also inaccurate. I have no association with this property. Reporting of unrelated or incorrect addresses breaches FCRA 1681e ( b ). This is creating significant confusion and is potentially contributing to false account linkage and unauthorized inquiries. 
DEPTED/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1300.00} Late Payments This account is inaccurately reported with late payments. I demand a thorough investigation under FCRA 1681i. I was in communication with the servicer, and this account was under deferment or dispute status during the alleged late payment period. Reporting such while under dispute or deferment violates FCRA 1681s-2. 
DEPTED/XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$2300.00} Late Payments This is a duplicate and improperly maintained version of the same loan. Experian failed to prevent duplication of the same debt with altered amounts, creating confusion and artificially damaging my credit. This violates FCRA 1681e ( b ) and 1681i. I demand immediate deletion or consolidation and correction. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$14000.00} Charge Off This account is reporting as a charge-off while I was actively in communication with the creditor. I was never properly notified of any default or collections activity, which violates the creditors obligations under FCRA 1681s-2 and FACTA guidelines. Reporting this as charged off without proper validation violates my right to dispute and due process. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$0.00} Charge Off This account is listed with a high balance of {$0.00} and still showing as charged off. This is inconsistent and misleading. A charge-off can not have a {$0.00} high balance and still be valid. This violates the " maximum possible accuracy '' clause under FCRA 1681e ( b ) and must be deleted for being unverifiable and inaccurate. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Collection This collection was never validated to me per my rights under FDCPA 15 USC 1692g ( b ). Experian failed to ensure that a third-party debt collector verified this before reporting. Reporting unvalidated debts without notification or verification is a clear FCRA 1681i and FDCPA violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$270.00} Collection I was never informed about this debt, nor did I receive a validation notice. Reporting this debt violates FCRA 1681e ( b ) and 1681s-2 ( a ), as the accuracy and legitimacy of this entry can not be verified. I challenge its validity and request deletion under the FCRA. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry This inquiry was made without permissible purpose. I did not authorize this inquiry nor was I in a business transaction with this company. Under FCRA 1681b ( c ), a hard inquiry must be authorized by the consumer. This was unauthorized and must be removed. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not grant permission to XXXX XXXX to access my credit. This is a clear violation of FCRA 1681b ( f ). They had no legitimate business need, and this unauthorized access is negatively affecting my credit profile. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry was done without my knowledge or consent. I was not seeking credit from this company and I did not initiate any contact. Unauthorized hard inquiries violate FCRA 1681b. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry. I never provided consent to XXXX XXXX XXXX. This violates FCRA 1681b ( c ), and I demand its removal. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Duplicate and unauthorized inquiry. This appears twice within a very short period with no valid basis. This suggests system abuse or credit pulling without consumer initiation. Must be removed under FCRA 1681b. 
XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiry This credit pull was not authorized by me. I did not engage with this company, nor did I provide written or electronic authorization. This violates my rights under FCRA 1681b. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry I dispute this as unauthorized. I was not applying for any auto loan or financing through XXXX XXXX at this time. I demand removal for violation of FCRA 1681b. 
XXXX XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry. I never submitted an application or credit request to XXXX. This inquiry must be removed under FCRA 1681b ( f ). 
XXXX XXXXXXXX XXXX  XX/XX/XXXX Inquiry This was not a consumer-initiated inquiry. I did not provide authorization. Reporting this inquiry violates the permissible purpose rule under FCRA 1681b.

Experian has failed to fulfill their legal obligations to conduct reasonable investigations and maintain accurate reporting. Under FCRA 1681i ( a ) ( 5 ), if information is found to be inaccurate, incomplete, or unverifiable, it must be deleted within 30 days. Additionally, Experians continued inclusion of wrong addresses, unauthorized inquiries, duplicate account listings, and unverifiable debts demonstrate systematic failure to comply with FCRA guidelines and negligent data handling. These continued errors are causing me financial harm, denial of credit, emotional distress, and reputational damage. I request the CFPB to take immediate action to compel Experian to correct and delete the disputed information from my credit report and ensure compliance with federal law. I am attaching supporting documentation to validate my identity and support my claims.

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