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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Experian XXXX XXXX XXXX for willfully and negligently reporting inaccurate, outdated, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), 1681i, and 1681c.

Despite multiple attempts to dispute these inaccuracies directly with Experian, they have failed to conduct a reasonable investigation, failed to remove false and unverifiable data, and continue to harm my creditworthiness and financial wellbeing. 
Incorrect Address Reporting Experian has listed addresses on my credit report that do not belong to me and are factually inaccurate, violating FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates consumer reporting agencies to maintain maximum possible accuracy. 
Wrong Addresses Reported : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never resided here. 
XXXX. XXXX University XXXX XXXX XXXX XXXX XXXX, TX XXXX This is not my current or past residence. 
Accounts with XXXX or XXXX XXXX Below are the accounts Experian continues to report inaccurately. For each, I have noted the issue, the law violated, and my concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Violation : Reporting a charge-off without verifying ownership or accuracy. Violation of 15 U.S.C. 1681e ( b ) Failure to ensure accuracy. Violation of 15 U.S.C. 1681i ( a ) Failure to investigate dispute. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Charge Off Violation of 1681e ( b ) Reporting outdated, derogatory data. 
Violation of 1681i No reinvestigation conducted on dispute. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5000.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Violation of 1681c Incomplete and unverifiable late data. 
Violation of 1681e ( b ) No accuracy check on late mark. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX High Balance : {$780.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Violation of XXXX ( a ) Incomplete verification of payment record. 
Violation of 1681e ( b ) No basis for continued negative reporting. 
XXXX. XXXX XXXX XXXX Account # : XXXX * * High Balance : {$21000.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Violation of 1681e ( b ) Inaccurate delinquency reporting timeline. 
Violation of 1681i Inadequate reinvestigation. 
XXXX. DEPT OF EDUCATION / NELNET Account # : XXXX * * High Balance : {$16000.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Violation of XXXX Potentially obsolete negative marks beyond reporting period. 
Violation of 1681e ( b ) Inaccurate historical payment data. 
XXXX XXXX XXXX XXXX XXXX  Account # : XXXX * * * * High Balance : {$700.00} | Date Opened : XX/XX/XXXX Issue : Charge Off Violation of 1681e ( b ) No proof of debt ownership. 
Violation of XXXX ( a ) No documentation provided to validate debt. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  High Balance : {$2100.00} | Date Opened : XX/XX/XXXX Issue : Late Payment Violation of 1681e ( b ) Inconsistent reporting dates and amounts. 
Violation of 1681i Refusal to update after dispute. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$9800.00} | Date Opened : XX/XX/XXXX Issue : Collection Violation of 1681e ( b ) No validation of debt origin. 
Violation of 1681i ( a ) No proof provided upon dispute. 
XXXX. XXXX XXXX Account # : XXXX * * High Balance : {$980.00} | Date Opened : XX/XX/XXXX Issue : Collection Violation of XXXX Permissible purpose not demonstrated. 
Violation of XXXX Disputed without reinvestigation results. 
XXXXXXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX High Balance : {$1300.00} | Date Opened : XX/XX/XXXX Issue : Collection Violation of 1681e ( b ) Reported without consumer consent. 
Violation of 1681i Incomplete investigation. 
XXXX. ABSOLUTE RESOLUTIONS INVESTMENTS Account # : XXXX * * High Balance : {$5200.00} | Date Opened : XX/XX/XXXX Issue : Collection Violation of 1681e ( b ) No ownership documentation. 
Violation of XXXX ( a ) No adequate reinvestigation performed. 
XXXX. XXXX XXXX Account # : XXXX * * * High Balance : {$2000.00} | Date Opened : XX/XX/XXXX Issue : Collection Violation of 1681b Account does not match usage history. 
Violation of 1681e ( b ) Unverified derogatory account. 
Conclusion & Relief Sought I am demanding immediate intervention by the CFPB and request that Experian be instructed to : 1. Immediately remove all the above-referenced inaccurate or unverifiable accounts and addresses.

2. Provide documentation verifying ownership, payment history, and reporting accuracy for each item.

3. Comply fully with all applicable provisions of the FCRA. 
These misreportings have caused severe distress, financial harm, and denials for essential credit and services. XXXX refusal to correct and investigate these matters is a direct violation of federal law. 
Thank you for your time and attention to this matter. I am seeking your help to hold Experian accountable and ensure my credit file reflects only accurate, verified, and lawfully reportable information.

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