Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
I am filing this complaint against Experian for reporting inaccurate addresses and unverifiable negative accounts on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite formally disputing the following items, Experian has continued to report these without providing proper verification or conducting a reasonable reinvestigation under 15 U.S.C. 1681i. 

XXXX. Inaccurate Addresses Being Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses. Their inclusion on my credit report violates 15 U.S.C. 1681e ( b ), which requires Experian to maintain maximum possible accuracy.

2. Disputed Accounts ( with Account Numbers ) : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} Issue : Late Payments without full documentation or verification XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX 

Date Opened : XX/XX/XXXX Balance : {$1200.00} Issue : Reported without proper validation, possible re-aging XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX 

Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : Unverified collection, no notice received XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Late payments reported despite {$0.00} balance XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Issue : Charge-off with inconsistent reporting, no validation XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Issue : Unverified charge-off, no supporting documentation XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Issue : Charge-off with disputed balance, no contract or proof XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Issue : Alleged charge-off not belonging to me, unverifiable XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge-off status applied to {$0.00} balance account These accounts were either not validated per 15 U.S.C. 1692g of the FDCPA or are being reported with inconsistencies that Experian has failed to correct after dispute. Some were added under or linked to inaccurate addresses, further raising questions about their legitimacy.

Requested Resolution : Permanent deletion of the two false addresses Deletion of all above-listed accounts unless Experian can provide full and original documentation from the furnishers Written confirmation of results from reinvestigation Experian has failed to meet its obligations under FCRA to ensure accurate and verifiable reporting. These errors are damaging my credit score and financial opportunities. I respectfully request the CFPB to intervene and assist in resolving this matter.

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