Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) and for failing to conduct a proper reinvestigation of my disputes. This is now my fifth attempt to have multiple inaccurate and unverifiable items removed from my Experian credit report. Despite my repeated written disputes, Experian has failed to delete or correct the information and has continued to report it without providing any proof of its accuracy. 

Experian is reporting wrong addresses that I have never lived at, specifically XXXX XXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX These addresses have no connection to me and associating them with my profile creates a false and damaging link to accounts and activity that do not belong to me. I have informed Experian of this multiple times, but the addresses remain, which is a clear violation of FCRA 607 ( b ) requiring maximum possible accuracy. 

Experian is also reporting late payments for several accounts without verifiable proof. For example, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$4300.00}, is showing late payments with no supporting documentation. XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$17000.00}, is also showing late payments that contradict my payment history. Similarly, XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX with a high credit of {$29000.00}, reports late payments during a period when I had a documented hardship arrangement. None of these accounts have been verified with actual creditor records, statements, or payment histories, making their continued reporting unlawful under FCRA 611. 

In addition, Experian is reporting an XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$17000.00}, as a charge-off without providing proof of debt. A collection account from XXXX XXXX, original creditor XXXX XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$3500.00}, is also being reported without validation or proof of ownership. Lastly, a XXXX collection account number XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$1600.00}, remains on my report with no documentation such as the original account agreement, billing statements, or chain of assignment. 

Experians continued reporting of these unverifiable accounts and false addresses is causing significant harm to my credit standing, resulting in denials of credit, increased interest rates, and XXXX XXXX  They are in direct violation of FCRA 607 ( b ) for failing to ensure maximum possible accuracy, 611 for failing to conduct a reasonable reinvestigation, and 623 ( a ) ( 1 ) ( A ) for continuing to furnish information known to be inaccurate. This ongoing noncompliance must be addressed, and I request that the CFPB take enforcement action to compel Experian to delete or correct these items 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