Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am filing this complaint because Experian has failed to maintain the accuracy and integrity of my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). After carefully reviewing my Experian credit file, I found multiple pieces of information that are false, unverified, and damaging to my financial reputation. These errors are causing me severe harm, and Experian has not fulfilled its legal obligation to ensure the maximum possible accuracy of consumer data as required under FCRA Section 602A and Section 607 ( b ). 

Experian is reporting two wrong addresses on my credit report XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX and XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX. These addresses are not connected to my verified residence history, and I have never lived or received mail at these locations. By including incorrect identifying information, Experian has violated its duty under FCRA to maintain accurate and relevant personal information in consumer files. The continued presence of these false addresses suggests inadequate verification procedures and a failure to meet the standards required under federal law. 

In addition to this, Experian is reporting a false charge-off account listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a date opened of XX/XX/XXXX and a reported balance of {$160.00}. I have no knowledge of this account whatsoever and have never applied for, opened, or authorized any account with XXXX. This is a clear example of unverified or potentially fraudulent information being published on my credit report. Under FCRA Sections 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ), Experian is required to verify any disputed information through proper documentation directly from the creditor. The continued appearance of this false charge-off account represents Experians failure to investigate and remove unverifiable information as mandated by federal law. 

Experian is also inaccurately reporting a late payment on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX with a balance of {$0.00}. This reporting is completely false because I have never made a late payment on this account or any other account. This false notation of delinquency is misleading, defamatory, and directly damaging to my creditworthiness. Reporting such incorrect data is a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate. Experians failure to correct this despite being notified of its inaccuracy constitutes willful noncompliance with federal law. 

Despite my right to dispute these items under FCRA Section 611, Experian has not conducted a proper reinvestigation or provided any evidence that these accounts and addresses were verified through legitimate documentation. Their negligence in maintaining accurate records and their failure to promptly remove false information demonstrate a complete disregard for consumer rights and federal compliance obligations. 

As a result of these reporting failures, my credit reputation has been unfairly damaged, causing emotional distress, financial obstacles, and the potential loss of credit opportunities. Experians pattern of neglect and inadequate verification procedures constitutes a serious breach of FCRA standards and undermines the integrity of the consumer reporting system. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action and require Experian to perform a full and lawful reinvestigation of all disputed information listed in this complaint. Experian must delete all unverified, inaccurate, and false data including the wrong addresses, the XXXX XXXX charge-off, and the false late payment on the XXXX account. These corrections are required under FCRA Section 611 ( a ) ( 5 ). 

I also request that the CFPB hold Experian accountable for its failure to comply with FCRA requirements and ensure that proper verification and reporting procedures are being followed. Experians actions have resulted in measurable harm, and I am demanding immediate correction, removal of the false information, and full restoration of my credit files accuracy and integrity.

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