Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX Date : XX/XX/year> Re : Complaint and Formal Dispute Regarding Experians Violations of the Fair Credit Reporting Act and Furnisher Violations of the Fair Debt Collection Practices Act Dear CFPB, I am filing this complaint against Experian Information Solutions , Inc. , as well as the furnishers of information XXXX and XXXX XXXX  XXXX for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple disputes, Experian has failed to maintain accurate records, failed to provide verification, and continues to report harmful and false data. 
XXXX. Inaccurate Address Experian continues to report an address that is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
This violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
XXXX. Unauthorized Fraud Alert Experian placed an ID Security Alert dated XXXX without my request or consent. Under FCRA 605A, 15 U.S.C. 1681c-1, fraud alerts may only be placed at the consumers request. This is unauthorized, misleading, and damaging. 
XXXX. Unverified Negative Accounts XXXX XXXX ( Acct. ending in XXXX ) Reported as charged-off with a {$1400.00} balance. I have no knowledge of this account. 
XXXX XXXX  ( Acct. ending in XXXX ) Reported as charged-off with a {$150.00} balance. I dispute this as inaccurate and unverifiable. 
Under FCRA 611 ( a ) ( 1 ), 15 U.S.C. 1681i ( a ) ( 1 ), Experian must delete unverifiable information. 
Under FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ), furnishers must cease collection and validate debts when disputed. Neither XXXX nor XXXX has provided validation ( such as signed contracts or account records ). Reporting without validation is unlawful. 
XXXX. Failure to Provide Verification Experian has claimed that investigations are complete but failed to provide : The method of verification ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ). 
Disclosure of all information in my file ( FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g ( a ) ( 1 ) ).

Because Experian and the furnishers have not verified, these accounts must be deleted. 
XXXX. Civil Liability These violations are not isolated errors, but part of a pattern of noncompliance. Therefore, I reserve my rights under : FCRA 616, 15 U.S.C. 1681n ( civil liability for willful noncompliance actual, statutory, and punitive damages plus attorneys fees ). 
FCRA 617, 15 U.S.C. 1681o ( civil liability for negligent noncompliance ).

FDCPA 813, 15 U.S.C. 1692k ( civil liability for damages, additional statutory damages, and attorneys fees ). 
Experian, XXXX, and XXXX XXXX  may be subject to these remedies if they continue to ignore their legal obligations. 
XXXX. Requested Relief Remove the inaccurate address ( XXXX XXXX XXXX XXXX XXXX XXXX  ). 
Remove the unauthorized ID Security Alert. 
Permanently delete the XXXX and XXXX XXXX  accounts from my Experian file. 
Provide me with written confirmation of these corrections. 
CFPB enforcement compelling Experian and the furnishers to comply with the FCRA and FDCPA. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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