Consumer complaint received 2025-11-18 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 because several accounts are being reported inaccurately in violation of FCRA 1681e ( b ) and 1681i. These items are harming my credit, and the furnishers have failed to verify the information even after disputes. I am requesting immediate CFPB intervention to force proper verification or removal of the inaccurate data. 

ADDRESSES XXXX XXXX XXXX, LA XXXX This address does not belong to me and I have never lived there or authorized its reporting, and keeping an unverified address violates FCRA 607B for failing to maintain accurate data and FCRA 609 because no documentation was provided linking me to this address. 

XXXX XXXX XXXX XXXX, LA XXXX I have no connection with this address, never used it, and it is not associated with me. Reporting this unverified address violates FCRA 607B for failing to ensure maximum accuracy and FCRA 609 since you have not provided any verifiable proof connecting me to this address. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$160000.00} Late Payment I have never made any late payment on this account and the late payment history is false and harmful. Reporting inaccurate delinquency violates FCRA 602A for failing to maintain accurate information and FCRA 611 because no corrected reinvestigation has been completed even after my previous dispute. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00} Charge Off I have no knowledge of this account and I can not verify any relationship with this creditor. Reporting an unverified charge off violates FCRA 602A and FCRA 607B because no supporting documents have been presented proving I opened or used this account. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$8600.00} Charge Off I do not recognize this account and have no record of authorizing or using it. Continuing to report this unverified charge off violates FCRA 611 for failing to reinvestigate properly and FCRA 607B for keeping an account that can not be verified. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Late Payment I have never been late on this or any XXXX XXXX account and reporting inaccurate delinquency violates FCRA 602A and FCRA 609 because no verified record has been supplied showing any missed payment. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Charge Off I have no knowledge of this account and no documentation has been provided proving it is mine. Reporting an unverifiable charge off violates FCRA 607B and FCRA 611 since you failed to properly reinvestigate after my first dispute. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} Charge Off I do not recognize this account and can not verify any association with it. Keeping this unverified charge off violates FCRA 602A and FCRA 609 because you have not produced proof linking me to this account. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have no knowledge of this account and never authorized it. Reporting a charge off without proof violates FCRA 607B and FCRA 611 for failing to reinvestigate and failing to provide validation records showing this account belongs to me. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charge Off This is not my account and the information can not be verified. Keeping an unverifiable charge off violates FCRA 602A for inaccurate reporting and FCRA 611 because you did not correct this item after my initial dispute. 

DPT EDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$60000.00} Late Payment I have never made a late payment and the reported delinquency is false and damaging. Reporting inaccurate payment history violates FCRA 602A and FCRA 609 because no valid payment documentation proving lateness was provided. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$30000.00} Late Payment I have never been late on this account and reporting such delinquency violates FCRA 602A for failing to maintain accuracy and FCRA 607B because no verified evidence has been provided during reinvestigation to prove any late payment occurred. 

These furnishers and bureaus are reporting unverified and inaccurate information in violation of federal law. I request the CFPB require full verification or removal of each disputed account immediately.

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