Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian regarding their handling of inaccuracies on my credit report. Despite multiple attempts to resolve these issues through their dispute process, Experian has failed to adequately address my concerns or correct the inaccuracies, resulting in ongoing harm to my creditworthiness. 

The issues I am experiencing include the following : Incorrect Addresses on My Credit Report : Experian continues to report inaccurate addresses on my file that are not associated with me, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Disputed Accounts with Inaccurate Reporting : Experian has also failed to properly investigate and resolve disputes regarding the following accounts : XXXX XXXX Loan Status : Repossession with an outstanding balance of {$6800.00} Issue : I dispute the accuracy of the balance and payment history, and Experian has not provided XXXX documentation supporting their investigation. 
XXXX XXXX XXXX Account Status : Collection with a balance of {$830.00} Issue : This account is inaccurately reported as active, and I dispute its validity. 
XXXX XXXX XXXX  Account Status : Paid, with inaccurate comments about being canceled by the grantor. 
Issue : Experian has failed to remove incorrect comments and update the account details despite my dispute. 
XXXX XXXX Auto Loan Status : Collection/Chargeoff with an outstanding balance of {$2200.00} Issue : This account reflects multiple inaccurate remarks, including conflicting payment status comments ( e.g., Charged off as bad debt, Dispute resolved ; reported by grantor ) that are inconsistent and misleading. Experian has failed to clarify or provide evidence supporting their reporting. 
Student Loan Accounts Status : Open, with a balance of {$1800.00} Issue : Despite being reported as current, Experian has failed to accurately reflect my payment status or provide clarity on the terms. 
Failure to Conduct Adequate Reinvestigation : Experian has not provided sufficient evidence of their investigation process or the sources used to verify the disputed information. Their lack of transparency and failure to correct these errors has caused significant stress and negatively impacted my credit score. 

Request for Assistance : I am requesting that the CFPB intervene to ensure Experian conducts a thorough and fair reinvestigation of my disputes. Specifically, I ask that Experian : Remove the inaccurate addresses from my credit report. 
Correct or remove the disputed accounts listed above if they can not verify their accuracy. 
Provide a detailed explanation of their investigation process, including documentation of how they verified the information. 
The inaccuracies on my credit report have caused financial hardship, as they have affected my ability to access credit and other financial opportunities. I believe Experian has not upheld its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information and to conduct a reasonable investigation of disputes. 

Thank you for your time and attention to this matter. I am confident in the CFPBs ability to address this issue and ensure that Experian fulfills its legal responsibilities. If you need further information or documentation, please do not hesitate to contact me at the information below.

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