Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #19184832
Complaint Overview
Complaint ID: 19184832
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Arkansas
ZIP Code: 723XX
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am following up regarding previously disputed inaccuracies on my credit reports with TransUnion, Experian, and Equifax that remain unresolved. Multiple addresses continue to appear incorrectly or inconsistently, including XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX, which appears on only one bureau despite never being a residence of significance, and XXXX XXXX XXXX XXXX XXXX, AR XXXX, which has no connection to me yet is being reported across my files. These inaccurate and mismatched addresses continue to misrepresent my residency, create risks of identity confusion, and negatively impact housing and employment applications. Additionally, previously disputed charge-off accounts remain inaccurate or unverifiable, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$14000.00} ), two XXXX XXXX XXXX XXXX accounts XXXX XXXX, {$9700.00} and XXXX XXXX XXXX XXXX {$8200.00} ), XXXX Bank charge-offs XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} and XXXXXXXX XXXX XXXX XXXX XXXX {$3800.00} ), and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$58000.00} ), all of which show missing, inconsistent, or incomplete reporting of balances, dates, and account status across the bureaus. Furthermore, several previously disputed hard inquiries including XXXX Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX remain on one bureau despite removal from others, and were never authorized, violating FCRA 604 ( a ). These unresolved discrepancies continue to undermine my creditworthiness, cause financial stress, and prevent accurate assessment by lenders.
Frequently Asked Questions
What is Complaint #19184832 about?
Complaint #19184832 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.