Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am writing to formally dispute numerous inaccuracies and unfair reporting on my Experian credit report. Despite multiple prior attempts to resolve these issues, the incorrect and damaging information remains on my report, causing me severe financial and emotional distress. I demand immediate correction and removal of all inaccurate, misleading, and unverifiable information pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 607, 609, 611, and 623. Experian is legally obligated to maintain accurate, complete, and verifiable information on my credit file, which is clearly not being upheld. 
XXXX. Incorrect Personal Information Wrong Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : This address is not associated with me, yet it appears on my credit report. This incorrect information violates my rights under 15 U.S.C. 1681e ( b ) which requires maximum possible accuracy in credit reporting. This false address creates confusion for potential lenders and may lead to wrongful credit decisions affecting my financial reputation and opportunities. 
XXXX. Charge-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$730.00} Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balances : {$1000.00} ( Opened XX/XX/XXXX ) & {$1100.00} ( Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX entries ) High Balances : {$1500.00}, {$1300.00}, and {$9.00} Dates Opened : XX/XX/XXXX and XX/XX/XXXX Issue : These accounts are reported as charge-offs but lack proper validation and supporting documentation as required by the FCRA. Under 15 U.S.C. 1681i ( a ), I have the right to dispute and demand verification of these debts, and Experian must conduct a reasonable investigation. These charge-offs are either inaccurately reported or overstated, negatively impacting my creditworthiness unjustly. 
XXXX. Late Payment Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Issue : The late payment reported on this account is either inaccurate or exaggerated. Late payments must be reported truthfully and with exact dates, as per 15 U.S.C. 1681s-2 ( a ). I request Experian to verify all payment history with primary documentation from the creditor. Any unverifiable or incorrect late payment entries must be removed immediately. 
XXXX. Collection Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$640.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$2800.00} Date Opened : XX/XX/XXXX Issue : These collections accounts are either inaccurately reported, have incorrect balances, or contain unverifiable data. Experians failure to remove or correct these accounts after my disputes violates 15 U.S.C. 1681i, which requires reinvestigation and deletion of unverifiable information within 30 days. Moreover, under 15 U.S.C. 1681c, negative information should be removed after the allowable reporting period ; some of these accounts may have surpassed that period. 
XXXX. Unauthorized and Excessive Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : These hard inquiries were made without my explicit consent or were excessive in a short period, violating 15 U.S.C. 1681b regarding permissible purpose. Unauthorized inquiries harm my credit score and suggest irresponsible reporting by Experian. I demand an explanation and removal of any inquiries without proper authorization.

In conclusion, Experians continued inclusion of inaccurate, unverifiable, and unauthorized information on my credit report is a blatant violation of the Fair Credit Reporting Act. This negligent reporting has caused me financial harm, including denial of credit opportunities, higher interest rates, and emotional distress. I request that Experian immediately : Remove the incorrect address from my credit report.

Verify and remove or correct all charge-offs and collection accounts as appropriate.

Remove any unverifiable late payments.

Delete any unauthorized or excessive hard inquiries.

Provide me with a corrected, updated copy of my credit report within 30 days as required by law.

If these actions are not taken promptly, I will escalate my complaint through legal channels including filing complaints with the FTC, pursuing a private lawsuit for FCRA violations, and notifying state attorneys general.

I expect your timely response and confirmation of corrective actions within the 30-day investigation window mandated by federal law.

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