Consumer complaint received 2025-06-25 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 for gross violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681i ( Dispute Reinsertion ), 1681e ( b ) ( Reasonable Procedures ), and 1681c ( Reporting of obsolete information ). Experian has failed to correct multiple disputed items on my credit report, causing significant harm to my financial reputation, creditworthiness, and peace of mind.

Despite previous attempts to dispute these accounts, Experian has continued to report erroneous, inaccurate, and unverifiable information, including accounts that do not belong to me, outdated or incorrect statuses, and unauthorized inquiries. My credit report contains false derogatory entries and even wrong addresses, which is a clear sign of negligent procedures and violation of my consumer rights. 
Incorrect Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Issue : This is not my address, and I have never lived here. The continued reporting of this address on my credit report is a clear violation of FCRA 1681e ( b ), which mandates that credit reporting agencies must ensure the " maximum possible accuracy '' of the information they furnish.

Requested Action : Immediately delete this address from my credit file. 
Disputed Accounts : XXXX. XXXX # XXXX High Balance : {$800.00} | Date Opened : XX/XX/XXXX Status : Charge-Off Issue : This account has been charged off and is being inaccurately reported. I have previously disputed this item and requested validation under FCRA, yet Experian has failed to verify the debt with appropriate documentation. 
Violation : FCRA 1681i ( a ) ( 5 ) ( A ), 1681e ( b ) Requested Action : Remove the inaccurate charge-off from my credit report.

Story : This account does not belong to me. Despite repeated disputes, Experian has failed to provide any meaningful verification or investigation documentation, showing willful negligence. 
XXXX. XXXX XXXX # XXXX * High Balance : {$22000.00} | Date Opened : XX/XX/XXXX Status : Charge-Off Issue : The account shows a charge-off status that is not accurate, and the balance appears inflated. No proper notice was ever served, and no supporting documentation was ever provided. 
Violation : FCRA 1681i, 1681e ( b ) Requested Action : Full deletion of the account from my credit profile.

Story : I have no recollection of this account, and it was never validated upon request. I believe it may be fraudulent or inaccurately associated with my file. 
XXXX. XXXX # XXXX * High Balance : {$15000.00} | Date Opened : XX/XX/XXXX Status : Late Payments Issue : The account reflects multiple late payments, yet I have evidence showing that payments were made on time or were in grace period agreements. Reporting this inaccurately has lowered my score unfairly. 
Violation : FCRA 1681s-2, 1681e ( b ) Requested Action : Remove all late payment notations or delete the account. 
Story : XXXX failed to update accurate data. Ive contacted the creditor and provided supporting payment history, but Experian has refused to act upon my disputes. 
XXXX. XXXX XXXX XXXX XXXX # XXXX * * High Balance : {$500.00} | Date Opened : XX/XX/XXXX Status : Late Payments Issue : This account is inaccurately reflecting missed payments. I requested a reinvestigation, but no documentation was provided. 
Violation : FCRA 1681i, 1681e ( b ) Requested Action : Remove late payments or remove the account entirely.

Story : I have maintained this account responsibly, and the reported delinquencies are not accurate. Experian has neglected their duty to investigate under the law. 
XXXX. XXXX XXXX XXXX # XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX Status : Late Payments Issue : Late payments are being reported incorrectly. The dates do not align with actual payment history. Ive never received any validation notice. 
Violation : FCRA 1681s-2 ( a ), 1681e ( b ) Requested Action : Update with accurate history or remove the account.

Story : This reporting error is severely affecting my credit. I have cooperated with XXXX XXXX and Experian multiple times, yet the inaccuracy persists. 
XXXX XXXX Inquiries : XXXX. XXXX FIRST XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this credit inquiry, nor do I have any relationship with this company. 
Violation : FCRA 1681b ( c ) Requested Action : Immediately remove this unauthorized inquiry.

Story : This inquiry is a violation of my privacy. I never consented to it, and Experian has not investigated my dispute properly. 
XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This inquiry was made without my knowledge or consent. 
Violation : FCRA 1681b Requested Action : Remove the inquiry from my credit file.

Story : I did not apply for any credit product from this company. This is clearly a case of an impermissible pull and a violation of my rights.

Request for Immediate Action : Under FCRA 1681i, I am formally demanding Experian to conduct a thorough reinvestigation, provide all supporting documentation ( including original creditor validation ), and delete any unverifiable, inaccurate, or unauthorized information.

Relief Requested : 1. Removal of all the above-listed inaccurate accounts, late payments, charge-offs, and inquiries.

2. Deletion of the incorrect address from my personal information section.

3. A full reinvestigation report per FCRA 1681i.

4. Financial compensation or remedy for damages caused due to the negligence of Experian, if applicable.

Declaration : I swear under penalty of perjury that all information provided is accurate to the best of my knowledge. I request the CFPB to investigate this matter seriously, as Experian has demonstrated a pattern of noncompliance and negligence.

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