Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for continuously reporting inaccurate and damaging information on my credit report, despite prior disputes. This includes wrong addresses, multiple charge-offs, late payments, and a bankruptcy record that do not belong to me or are being inaccurately reported. I have disputed this information, but Experian has failed to comply with federal requirements to correct or remove the inaccurate information, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 
Incorrect Addresses ( Never XXXX XXXX ) : XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX FCRA Violation : Reporting inaccurate address history violates 15 U.S.C 1681e ( b ) failure to maintain maximum possible accuracy.

Disputed Accounts and Legal Violations : 1. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2200.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This charge-off is inaccurately reported. I have not received any notice or validation per 15 U.S. Code 1692g ( b ) and 15 U.S.C 1681i ( a ) ( failure to reinvestigate upon dispute ). 
2. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3400.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account is incorrect. No validation provided. XXXX violates 15 U.S.C. 1681s-2 ( b ). 
XXXX. PROSPER MARKETPLACE IN Account # XXXX XXXX High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Improper validation and reporting. Violates FCRA 1681e ( b ) and 1681i ( a ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$480.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Experian failed to ensure accuracy as required by 15 U.S. Code 1681e ( b ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$440.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Payment reported late without proof or validation. Violates 1681s-2 ( a ) ( 1 ) ( A ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5300.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This is either identity theft or a misreporting. No supporting documents provided. Violates 1681i ( a ) ( 1 ) and 1681c-2 ( blocking fraudulent data ). 
XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$1100.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Incorrect account details and balance. No consumer authorization or validation. Violates FCRA 1681b ( a ) ( 2 ). 
XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX | Status : Charge Off No notice or authorization. Experian failed to validate this debt. 15 U.S.C. 1692g applies. 
XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Inaccurate late payment history not supported by statements. Violates 15 U.S.C 1681i ( a ) ( 5 ) ( A ). 
XXXX. XXXX Bankruptcy XXXX Ref # XXXX Closing Date : XX/XX/XXXX | Status : Bankruptcy I never filed for bankruptcy. This is likely misattribution or identity theft. Per FCRA 1681c ( a ), this record is inaccurate and must be deleted.

Requested Relief : I am requesting the CFPB to investigate Experians ongoing noncompliance with federal consumer protection laws. I ask that the following actions be taken : XXXX removal of all inaccurate addresses. 
Permanent deletion of all inaccurate accounts listed above. 
Correction of all erroneous statuses, balances, and public record information. 
XXXX action against Experian for violating FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and 1692g.

Declaration : I attest under penalty of perjury that the information I provided is true to the best of my knowledge. I request this complaint be reviewed and appropriate regulatory action be taken against Experian.

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