Consumer complaint received 2025-07-04 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 filing this formal complaint against Experian for the continued reporting of inaccurate, obsolete, and unverifiable information on my credit report. Despite previous dispute attempts, Experian has failed to conduct reasonable investigations and continues to report derogatory data that is materially affecting my financial and personal well-being. These errors are clear violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, particularly sections 1681e ( b ), 1681i, and 1681s-2 ( b ). Below is a detailed breakdown of the inaccuracies Experian has negligently failed to address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is inaccurately listed on my credit report. I have never lived at this address nor have I ever been associated with it. Reporting of such incorrect addresses creates confusion and leads to mixed files, increasing my risk of fraud and misidentification. This is a direct violation of FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. Failure to correct this after notification violates 1681i ( a ) ( 1 ) ( A ) and demonstrates willful noncompliance under 1681n. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is also incorrectly associated with my credit file. I have submitted disputes previously to Experian to remove this inaccurate address, but no action has been taken. This demonstrates noncompliance with FCRA 1681c-1 ( a ), and the repeated failure to delete inaccurate address information violates FCRA 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX | High Balance : {$1000.00} Charge Off This account is being reported as a charge-off, but there is a lack of proper verification and no evidence that the debt was validated under 15 USC 1692g of the FDCPA. Experian is in violation of FCRA 1681i for failing to properly investigate my dispute and 1681e ( b ) for failing to ensure the accuracy of the information before reporting. Additionally, 1681s-2 ( b ) has been violated due to the data furnishers failure to investigate and correct the information. 
XXXX XXXX XXXXXXXX XXXX * Date Opened : XX/XX/XXXX | High Balance : {$320.00} Late Payment This account shows late payments which I formally disputed with Experian. They failed to provide any documentation validating the delinquency. Under FCRA 1681i ( a ), a consumer reporting agency must conduct a reasonable reinvestigation. Experians failure to do so, along with their continued reporting of this unverifiable derogatory information, violates my rights under FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX | High Balance : {$950.00} Late Payment The late payment reported on this account is inaccurate and not supported by any billing statements or payment history records. I have requested reinvestigation but Experian did not comply with the FCRA-mandated timeline under 1681i. Reporting this information without proper verification constitutes willful disregard of consumer rights under 1681n. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | High Balance : {$570.00} Late Payment Like the prior entry, this account also contains unverifiable derogatory information in the form of late payments. Experians continued reporting of this inaccurate data constitutes negligence and noncompliance with FCRA 1681e ( b ) and 1681i ( a ). This has severely impacted my creditworthiness. 
XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX | High Balance : {$20000.00} Late Payment This student loan account reflects erroneous late payments. I have disputed this multiple times, yet Experian has failed to perform any meaningful reinvestigation. This violates FCRA 1681s-2 ( b ) and 1681i. I demand removal or full documentation proving the accuracy of these claims. 
XXXX XXXXXXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX | High Balance : {$33000.00} Late Payment Experian continues to report this auto loan account as delinquent without providing any verification of the supposed late payments. This negligence violates the reinvestigation requirement under 1681i and the duty to maintain accurate data under 1681e ( b ). This has caused significant damage to my credit score and credibility. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | High Balance : {$950.00} Late Payment This recent account reports a late payment that is both inaccurate and unverified. I have contacted both the furnisher and Experian, but no substantive investigation was performed. This is a blatant violation of FCRA 1681i and 1681s-2 ( b ), especially given the short time since this account was opened. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$550.00} Collection This collection account is inaccurate and does not belong to me. I have repeatedly requested verification and debt validation under 15 USC 1692g, but neither the furnisher nor Experian has complied. This is a violation of FCRA 1681e ( b ) and 1681i. Reporting a debt without validation is not only misleading but also illegal under the Fair Debt Collection Practices Act ( FDCPA ).

I have suffered financial and emotional harm due to Experians failure to maintain accurate credit information and failure to correct known inaccuracies. These entries have caused denial of credit, increased interest rates, and emotional distress. Experian is failing to meet its obligations under the FCRA, and this continued negligence is unacceptable. I am requesting immediate deletion of all inaccurate addresses and unverifiable negative accounts listed above. I also request a full investigation, supporting documentation for all reported data, and a written explanation of actions taken.

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