Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
I am filing this formal complaint against Experian, one of the major credit reporting agencies, for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and failing to correct multiple inaccuracies on my credit report. Despite previous attempts to resolve these issues directly with Experian, the inaccuracies continue to persist.

Experian has reported wrong addresses, duplicate collections, charged-off accounts, and bankruptcy entries in a manner that is inaccurate, misleading, and not in compliance with federal law. These errors have caused substantial damage to my creditworthiness and mental distress. 
1. Wrong Addresses Reported XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : I have never lived at these addresses. These addresses were added without my knowledge or authorization, violating my privacy and security. 
Violation : FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This account has been reported as a charge-off despite a bankruptcy discharge that should apply. The balance remains reported incorrectly and is affecting my credit utilization and score unfairly. 
Violation : FCRA 1681c ( a ) ( 1 ) Outdated adverse information post-bankruptcy FCRA 1681i ( a ) Failure to reinvestigate and remove in response to prior disputes 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$340.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This is a duplicate collection for a debt that does not belong to me. The date opened suggests a post-bankruptcy debt, which should not appear on my report. 
Violation : FCRA 1681b No permissible purpose to report this FCRA 1681e ( b ) Failure to ensure accuracy FCRA 1681i No proper investigation despite disputes 4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This debt was disputed and tied to identity theft/fraud. Experian failed to provide validation or remove the item even after notification under the FCRA and FTC identity theft procedures. 
Violation : FCRA 1681g Failure to disclose sources FCRA 1681c-2 Failure to block fraudulent information upon request 5 & 6. XXXX XXXX XXXX ( Duplicate Entries ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status : Collections ( appears twice ) Issue : This account is reported twice, inflating my debt load and misleading creditors about my financial responsibility. This is a duplicate entry of the same debt with the same balance and date. 
Violation : FCRA 1681e ( b ) Inaccurate and misleading duplication FCRA 1681i Failure to correct duplicate data upon dispute 7. U.S. Bankruptcy Court Reference # : XXXX Status : XXXX XXXX  Bankruptcy Discharged Issue : Despite the full XXXX XXXX  bankruptcy discharge, Experian continues to report several debts ( including the above ) with balances or negative status. This is misleading and unlawful. 
Violation : FCRA 1681c Reporting obsolete information post-discharge FCRA 1681i Failure to correct following prior dispute FCRA 1681s-2 Furnishers failed to update or correct after notice Narrative of Harm : These inaccuracies have severely damaged my credit reputation, led to denials of credit, increased interest rates, and emotional and financial distress. I have disputed many of these items directly with Experian, but they have failed to perform reasonable investigations as required under the FCRA.

Experians ongoing reporting of : Unverified and duplicate collections Incorrect addresses Accounts discharged in bankruptcy Failure to properly investigate or correct errors has resulted in clear violations of my consumer rights. I respectfully request that the CFPB investigate Experian 's repeated negligence, require deletion of all inaccurate data, and impose penalties if necessary to enforce compliance.

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