Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
-Copy of what has now been sent to the State Attorney Generals Office Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protecting Act ( CFPA ), I am requesting the following : 1. Immediate removal of the inaccurate address on my file. XXXX. A written explanation of why this address was reported and by whom after the initial dispute with bureaus through the CFPB ( case numbers and dispute dates are as follows : XXXX sent to Experian dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to XXXX XXXX XXXX XXXX XXXX XXXX sent to Experian dated XX/XX/XXXX after original investigation was not completed, XXXX dated XX/XX/XXXX sent to Experian would still no update, XXXX dated XX/XX/XXXX sent to XXXX XXXX with a response on XX/XX/XXXX stating more time is needed to investigate, however, as of XX/XX/XXXX I have received a letter in the mail stating the account will be defaulted XX/XX/XXXX without payment even though this account has been deleted from XXXX XXXX XXXX XXXX due to inaccurate information being provided such as the disbursement dates and other inaccurate information. XXXX XXXX also has incorrect address on the file and has reported it to the credit rules that are now denying the removal of that address, I have not given or authorize a new address to be provided to XXXX XXXX on my behalf as this issue has been ongoing since XX/XX/XXXX, according to the FCRA it should take a company no more than 30 days to verify the information and if I do not receive a response, that's when I further escalate to the CFPB I am officially asking for assistance and removing this report and not allowing it to be reinstated on any of my profiles and remove the address that was last added without my consent. XXXX. Suspension of any collections, default, status, or negative credit reporting while this dispute is active. Please consider this a formal dispute and notice of a potential FCRA violations. I am documenting all communication and will escalate to the Federal Trade Commission FTC and Attorney General as needed. Updates will also continue to be reported through the CFPB portal. The address is not real for these accounts and the disbursement dates, late payment dates are incorrect as well. 

WHAT IS CURRENTLY HAPPENING AFTER DISPUTE SENT ON On XX/XX/XXXX, I submitted a formal dispute to XXXX XXXX regarding inaccurate personal information and credit reporting. Specifically, they changed my mailing address without my consent or authorization, which is not my residence and raises serious privacy and identity concerns. Despite my active dispute, XXXX XXXX continued to report late payments to the credit bureaus and sent me a letter dated XX/XX/XXXX, threatening to place my account in default. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that disputed information not be further reported or used in a way that causes harm during the investigation period. I have not received a valid explanation for the address change, nor has XXXX XXXX taken any action to correct the reporting issues. I have also submitted a complaint to the XXXX XXXX XXXX  regarding this matter. I am requesting the following : Immediate removal of the unauthorized address from my account and all credit reporting. Deletion of all late payments reported after XX/XX/XXXX. A written explanation of how and why my address was changed. Assurance that no further collection or default actions will take place while my dispute is under formal investigation. 

Current open dispute as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -please provide documentation of how information is accurate The wrong address XXXX XXXX has is XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address DOES NOT exist.

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