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:
To Whom It May Concern, I am submitting this formal complaint against Experian for reporting inaccurate personal information and multiple erroneous accounts on my credit report, despite my prior disputes. These inaccuracies are severely affecting my creditworthiness and financial standing. I have repeatedly requested corrections, but Experian has failed to conduct a reasonable investigation or take corrective action as required under the Fair Credit Reporting Act ( FCRA ). Each item is listed below with the issue, applicable law, and specific explanation. 
XXXX XXXX AV XXXX XXXX, NJ XXXX Wrong Address This address is falsely being reported on my Experian credit file. I have never lived, rented, owned, or had any affiliation with this address. Reporting inaccurate address information can lead to the association of wrong accounts, identity confusion, and misrepresentation of my residency history. 
Violations : FCRA 602 ( A ), 607 ( b ), 611 ( a ) ( 1 ) ( A ) Issue Explanation : Under FCRA 607 ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy. Inclusion of an incorrect address violates this mandate. I have requested its removal, but Experian failed to take action. 
XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX Wrong Address This is another address inaccurately appearing on my report. I have never resided here or had any account linked to this location. This creates a false profile of my identity and living history. 
Violations : FCRA 607 ( b ), 611 ( a ), 602 ( A ) Issue Explanation : Reporting unrelated addresses compromises the accuracy of my file and may result in a higher risk score or denial of credit. Experian 's inaction in removing this address after dispute violates their duties under the FCRA. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$740.00} Charge Off This account is being inaccurately reported as a charge-off. I have requested validation and investigation into this debt, but Experian continues to report it without proper verification. Additionally, the amount and terms are disputed. 
Violations : FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), 607 ( b ), FDCPA 809 ( b ) Issue Explanation : Experian is reporting this account without fully validating it or providing documentation verifying the debt per my rights under FCRA 609. Continued reporting without proper reinvestigation violates FCRA 611 ( a ) and FDCPA 809 ( b ). The account is damaging my credit without due process and must be removed until proven valid. 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$40000.00} Late Payment Late payments are inaccurately reported on this auto loan account. I have evidence disputing the claimed delinquencies and requested Experian to conduct a reinvestigation. Despite this, Experian continues to report these late payments without correcting or verifying the data. 
Violations : FCRA 611 ( a ) ( 1 ) ( A ), 607 ( b ), 602 ( A ) Issue Explanation : Reporting late payments without validating their accuracy after a formal dispute demonstrates non-compliance with FCRA guidelines requiring reinvestigation. These entries harm my score and credit history unjustly.

Summary of Violations : Experian has violated several provisions of the FCRA by failing to assure the maximum possible accuracy of the information ( FCRA 607 ( b ) ), failing to conduct a reasonable reinvestigation ( FCRA 611 ), and failing to provide proper validation ( FCRA 609 ). In addition, the reporting of invalid debts and false addresses constitutes negligence under FCRA 602 ( A ), which states consumers deserve fair and accurate credit reporting.

Requested Relief : Immediate deletion of all inaccurate addresses and accounts listed above Full reinvestigation and documentation of any accounts Experian intends to continue reporting Monetary compensation for damages caused by inaccurate reporting Written confirmation of all actions taken in response to this complaint I have made previous efforts to resolve these issues directly with Experian, but they have failed to comply with federal law. I request CFPB 's urgent intervention to ensure Experian is held accountable for these ongoing violations.

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