Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. I have already attempted to resolve these issues directly with Experian, but I have not received satisfactory responses. This complaint includes the continued reporting of inaccurate personal information, multiple inaccurate account entries, and an unauthorized inquiry. I request immediate investigation and correction under federal law. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address is being reported inaccurately on my credit report. I have never resided at or been associated with this address. The continued reporting of this false personal identifying information is a direct violation of : FCRA 605 ( b ) prohibits reporting of inaccurate information FCRA 607 ( b ) requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy FCRA 609 ( c ) ( 2 ) ( E ) mandates clear and accurate disclosures of file contents Experian has failed in their duty to verify and correct this erroneous address despite previous disputes. This misreporting has exposed me to identity confusion and risk. 
XXXX XXXX Account # : XXXX * Issue : Late Payments High Balance : {$11000.00} Date Opened : XX/XX/XXXX This account is reporting multiple late payments that are not accurate. I have disputed this account with Experian with no resolution or reinvestigation as required. This violates : FCRA 611 ( a ) failure to investigate disputed information FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnisher reporting information known to be inaccurate These false late payments have significantly harmed my credit score, impacting my ability to obtain fair credit. 
XXXX Account # : XXXX Issue : Late Payments High Balance : {$3900.00} Date Opened : XX/XX/XXXX This account is also falsely reporting late payments. I have never received a proper verification from Experian or the data furnisher. This violates : FCRA 611 ( a ) failure to respond and investigate dispute FDCPA 807 ( 8 ) reporting false information to a credit bureau FCRA 623 ( b ) furnisher 's duty to investigate upon notice of dispute Experians inaction shows negligence and lack of reasonable procedures. 
XXXX  XXXX XXXX Account # : XXXX * Issue : Late Payments High Balance : {$1400.00} Date Opened : XX/XX/XXXX This account contains historical late payments that I have formally disputed. The account should have been fully verified or removed. Instead, Experian continues to report this without proper investigation. Violations include : FCRA 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation FCRA 605 ( a ) ( 5 ) obsolete information being reported over 7 years The continued reporting of this inaccurate payment history is unjust and harmful. 
XXXX XXXX XXXX Account # : XXXX Issue : Late Payments High Balance : {$1400.00} Date Opened : XX/XX/XXXX This account reflects negative information I dispute as inaccurate. I requested investigation and correction but received no proper response. This is a violation of : FCRA 623 ( a ) ( 1 ) ( A ) knowingly reporting false information FCRA 611 ( a ) ( 5 ) failure to delete or modify inaccurate data after dispute Experians reporting has materially damaged my creditworthiness and trust. 
XXXX XXXX XXXX Account # : XXXX Issue : Late Payments High Balance : {$27000.00} Date Opened : XX/XX/XXXX This federal student loan account shows several late payments that I have challenged. The negative information was never validated nor corrected. Experian is in violation of : FCRA 611 ( a ) failure to conduct reinvestigation FCRA 623 ( a ) ( 1 ) ( B ) failing to update or correct inaccurate data FCRA 605 ( c ) misrepresentation in reporting federal student loan data This misreporting jeopardizes my educational and financial future. 
Inquiry : XXXX XXXX XXXX XXXX : XX/XX/XXXX This inquiry was made without my knowledge or authorization. I never applied for any credit with this entity. Reporting unauthorized inquiries is a violation of : FCRA 604 ( a ) ( 3 ) permissible purpose for consumer report access FCRA 615 ( d ) failure to notify of adverse action based on the inquiry FCRA 607 ( a ) duty to prevent unauthorized access I demand this inquiry be removed immediately as it constitutes a breach of privacy and federal consumer rights. 
I have already disputed these items with Experian, and yet they remain unresolved. Experian has failed to meet its obligations under the Fair Credit Reporting Act and has demonstrated systemic negligence in investigating, verifying, and correcting false or outdated information. These actions have caused me severe emotional distress, financial denial, and reputational harm. I am requesting the Consumer Financial Protection Bureau to investigate Experians continued noncompliance and mandate the removal of all inaccurate items, inquiries, and addresses from my credit file.

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