Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
Dear CFPB Officer, I am writing to file a formal complaint against Experian for their ongoing failure to maintain accurate and verifiable information in my credit file. I have made multiple good faith efforts to dispute incorrect data directly with Experian, but they have refused to properly investigate or remove the inaccurate and harmful information. As a result, Ive suffered significant financial hardship, emotional stress, and damage to my personal reputation.

My credit report with Experian lists an address, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, which I have never lived at nor have any association with. I have requested its removal due to the possibility of mixed files or identity confusion, yet Experian continues to keep it on my record despite providing no verification.

In addition to this, there are several accounts being inaccurately reported. The XXXX XXXX account ( XXXX ), opened on XX/XX/XXXX, is showing a late payment, though I was never properly notified of the due amount or billing status. Similarly, XXXX XXXX XXXX ( XXXX ), opened on XX/XX/XXXX, is reporting a late payment without having issued me any payment reminder or communication. I have attempted to resolve both of these accounts directly, but Experian has not taken corrective action.

More severe are the charge-offs and outdated accounts. My XXXX  XXXX account ( XXXX ), opened in XXXX, was charged off during a time when I was facing serious medical and financial hardship. I sought assistance from the lender but received none. XXXX XXXX XXXX account ( XXXX ), opened in XXXX, includes late payments that occurred while I was actively serving under XXXX XXXX, and despite submitting relevant SCRA documents, Experian refused to make any corrections. 

Another troubling entry is my XXXX account ( XXXX ), opened in XX/XX/XXXX, which was also charged off without any verification of the balance or billing. I repeatedly asked Experian for proper documentation, which they failed to provide. My XXXX XXXX account, opened in XXXX, is showing as charged off even though the balance is {$0.00}. This misleading reporting is both harmful and inaccurate. Similarly, the XXXX account from XXXX and XXXX XXXX account from XXXX both show charge-offs, even though they were resolved, and the balances reflect {$0.00}. Experian has failed to update their status or remove them from my report. 

Lastly, there is a bankruptcy being reported from the U.S. Bankruptcy Court in XXXX, OH ( Reference # : XXXX ), which appears to be outdated and potentially inaccurate. I have requested verification, and Experian has not confirmed it with court documentation.

All of this information violates key provisions of the Fair Credit Reporting Act, including their failure to ensure the maximum possible accuracy of consumer data under 1681e ( b ), their refusal to conduct a proper reinvestigation under 1681i, and failure of furnishers to update or remove inaccurate information under 1681s-2 ( b ).

I have suffered real damage because of these inaccuracies. I have been denied access to credit, forced to pay higher interest rates, and have experienced constant anxiety due to the negative impact on my financial life. I am doing everything I can to rebuild my credit and act responsibly, but Experians negligence continues to undermine my efforts.

I am requesting the Consumer Financial Protection Bureau to launch an investigation into Experians handling of these disputes and reporting practices, and to take appropriate action to ensure these inaccurate entries are removed or properly corrected.

Thank you for taking the time to review my complaint. I hope that with your help, I can finally obtain a fair and accurate credit file.

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