Consumer complaint received 2025-07-02 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 submitting this complaint against Experian for multiple severe violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws due to their failure to maintain accurate and verifiable information in my credit report despite multiple disputes. The errors have caused me serious harm including denials of credit, increased interest rates, and emotional distress. The following issues are being reported and are still inaccurately maintained on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address is inaccurate and does not belong to me. I have never lived at or been associated with this address. Its presence on my Experian credit report is a violation of the FCRA Section 604 ( a ) ( 2 ) which mandates that consumer reporting agencies must ensure information is accurate and pertains only to the subject consumer. Retaining this address falsely associates me with accounts and inquiries that do not belong to me. XXXX failure to remove it after prior disputes demonstrates willful non-compliance with FCRA 611 ( 15 U.S. Code 1681i ), which mandates reinvestigation and deletion of unverifiable information.

Violation of Law : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy FCRA 611 : Failure to reinvestigate disputed information FCRA 605B : Failure to block fraudulent information FDCPA 807 ( 10 ) : False representation of information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong Address This address is also incorrect. I have not resided or had any affiliation with this location. Including it on my credit file without proper verification is negligent and misleading. Repeated reporting of such false addresses raises concerns of identity theft, file merging, or procedural deficiencies at Experian, which should be thoroughly investigated. 
Violation of Law : FCRA 602 ( A ) : Consumer has the right to fair and accurate credit reporting FCRA 605 ( a ) ( 1 ) : Reporting obsolete and irrelevant information FCRA 611 : Failure to delete inaccurate information upon dispute FCRA 603 ( p ) : Permissible purpose absent for maintaining unrelated address XXXX XXXX XXXX NA | Acct # : XXXX * * * * | Date Opened : XX/XX/year> | High Balance : {$730.00} Late Payments Reporting * * This account is reporting multiple late payments which are inaccurate. I have formally disputed these entries and provided supporting documents, but Experian has continued to report the late payments without proper investigation or documentation from the furnisher. This violates my rights under FCRA 611, which requires a reasonable reinvestigation into disputed information. Moreover, if the furnisher fails to verify the information within 30 days, Experian is legally obligated to delete it, per FCRA 1681i ( a ) ( 5 ) ( A ). By failing to do so, Experian is enabling the continued reporting of inaccurate derogatory data which has negatively impacted my credit standing.

Violation of Law : FCRA 611 : Failure to properly investigate and delete inaccurate information FCRA 607 ( b ) : Failure to ensure maximum accuracy FDCPA 807 : Continuing to report false or disputed debt FCRA 623 ( b ) : Duty of data furnishers to respond to disputes I have exercised my rights by submitting disputes directly to Experian and no valid investigation outcome was presented. Under FCRA, Experian is required to maintain procedures to ensure maximum possible accuracy ( FCRA 607 ( b ) ) and reinvestigate within 30 days ( FCRA 611 ( a ) ). Their failure to comply shows systemic issues in their procedures, and I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate enforcement action. 
Relief Sought : 1. Permanent deletion of the following false addresses : o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Permanent deletion or correction of the inaccurate late payments on XXXX XXXX XXXX XXXX  ( Acct # : XXXX * * * * * * ) 3. Internal audit of Experians procedures for dispute handling and address verification 4. Monetary compensation for damages and stress caused by Experians negligence and willful non-compliance I reserve the right to pursue legal action under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance with the FCRA. I am also considering complaints to the Federal Trade Commission ( FTC ), my state Attorney General, and legal counsel.

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