Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint against Experian, a consumer reporting agency that continues to report inaccurate, outdated, and unverifiable information on my credit report. Despite my previous disputes submitted directly to Experian, they have failed to delete or correct multiple entries that are harming my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the specific issues with the accounts Experian is reporting, along with the applicable laws and personal impact each error has caused. 

XXXX. Wrong Address Reporting XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Issue : These addresses are either outdated or never associated with me at all. I do not currently reside at these addresses, and I have no verified history at one of them.

Law Violated : FCRA 607 ( b ) Experian is legally obligated to report only accurate and verifiable information. Continuing to report an address that can not be confirmed is a breach of this duty. 

Personal Impact : Having false addresses on my report has resulted in identity verification delays, raised red flags during credit applications, and placed me at risk of file mixing or potential identity confusion. Despite requesting their removal, Experian has kept them on file without providing any proof of their validity. 

XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX High Credit : {$350.00} | Date Opened : XX/XX/year> * * Issue : This account is reporting late payments that occurred during a period when I had arranged for temporary hardship assistance. These derogatory marks are inaccurate and do not reflect the terms of the agreement I had with the creditor. 

Laws Violated : FCRA 623 ( a ) ( 1 ) ( A ) A furnisher must not report information that it knows or should know is inaccurate.

FCRA 611 ( a ) A credit bureau must delete any information that can not be verified within 30 days of a consumer dispute.

Personal Impact : I negotiated a hardship arrangement due to a temporary loss of income. The creditor agreed to defer payments without reporting late marks. Yet, Experian is reflecting delinquencies from that exact time period, which is deceptive and harmful. I am being unfairly penalized for a situation I proactively managed. This is a serious misrepresentation of my payment behavior. 

Requested Action : I am formally requesting that the CFPB investigate the following : Why Experian has failed to remove unverifiable and inaccurate address entries. 

Why a derogatory account ( XXXX XXXX XXXX ) continues to report false late payments despite being disputed and likely unverified. 

Whether Experian is maintaining proper reinvestigation procedures as required by FCRA 611 ( a ).

Summary of Non-Compliance : Inaccurate addresses reported in violation of FCRA 607 ( b ).

Failure to delete unverifiable negative accounts in violation of FCRA 611 ( a ).

Negligent or willful continuation of harmful data in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Resolution Requested : Permanent removal of the two incorrect addresses from my Experian credit file. 

Full deletion or correction of the XXXX XXXX XXXX account, including removal of all late payment notations. 

Written confirmation that Experian has completed a lawful and documented reinvestigation. 

Regulatory enforcement and appropriate civil penalties if Experian is found in violation. 

I have attached a copy of my Experian dispute letter and relevant report screenshots as supporting evidence. I appreciate the CFPBs attention to this matter and request swift action to ensure my consumer rights are protected.

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