Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) involving the inaccurate reporting of personal information, including addresses and multiple accounts with charge-offs, collections, and late payments that are either inaccurate, unverifiable, or legally disputed. I am suffering serious harm due to these reporting errors, including emotional distress, credit denials, and reputational damage. Despite previous disputes and evidence submission, Experian has failed to conduct proper investigations or correct these issues as required under federal law. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is completely inaccurate and does not belong to me. I have never lived, worked, or had any financial association with this location. Reporting this incorrect address violates FCRA Section 607 ( b ), which requires Experian to follow reasonable procedures to ensure maximum possible accuracy of the information. This address may be contributing to the incorrect linking of accounts or fraud. Experian has failed to remove this address despite multiple disputes, which constitutes willful noncompliance under FCRA Section 616 and 617. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$600.00} This account is being reported as a charge-off ; however, the information is not accurate. The creditor failed to validate the full payment history or provide proper documentation. No original signed contract or accounting breakdown has been provided despite my requests. This violates FCRA XXXXection 611 ( a ), which requires Experian to conduct a reasonable reinvestigation. Under FCRA Section 609 ( a ) ( 1 ), I am entitled to all information in my file and the sources, which Experian has failed to provide. Continuing to report this without full validation violates my consumer rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$1900.00} This account is being inaccurately reported with a charge-off status. The lender failed to verify the original documents and failed to respond to verification requests. This violates FCRA Section 611 ( a ) and 623 ( a ) ( 3 ), which mandates furnishers to report accurately and update or correct information that is found to be inaccurate or incomplete. Experian has allowed this unverifiable information to remain, despite legal obligations to remove or correct such data. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Charge Off Date Opened : XX/XX/XXXX High Balance : {$750.00} This account has discrepancies in reporting dates and balance accuracy. No full accounting breakdown has been provided, and the charge-off status is being reported incorrectly. This violates FCRA XXXX ( b ), which obligates Experian to use reasonable procedures to assure accuracy. The failure to respond to my prior disputes or correct the error is a violation of FCRA XXXX and XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX High Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date Opened : XX/XX/XXXX High Balance : {$1000.00} These accounts are being reported with late payments that are not accurate. I made timely payments, but the creditor failed to update their records correctly. The continued late reporting after notification is a violation of FCRA Section 623 ( a ) ( 2 ). Experian has not properly investigated or validated these delinquencies despite dispute filings. This also violates Section 611 ( a ) for failure to conduct proper reinvestigation and update the file. 
XXXX Account # : XXXX * * Late Payment Date Opened : XX/XX/XXXX High Balance : {$1000.00} XXXX Account # : XXXX * * * Late Payment Date Opened : XX/XX/XXXX High Balance : {$2900.00} XXXX has reported inaccurate delinquencies during a time period when my loans were supposed to be under COVID-related forbearance or administrative forbearance. These late payments are illegal under the CARES Act and FCRA Section 623 ( a ) ( 1 ) ( A ). Additionally, XXXX has not provided proper validation or documentation supporting the late payment histoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX High Balance : {$13000.00} This account is inaccurately showing multiple late payments. I have documentation that payments were made on time or within grace periods. The creditor has failed to provide proper verification. Continued reporting of these delinquencies despite evidence is willful and negligent under FCRA Section 623 and 611. Experian has not corrected the record despite proper disputes. 
XXXX XXXX XXXX Account # : XXXX * * Collection Date Opened : XX/XX/XXXX High Balance : {$2200.00} This collection is being reported without full verification. I never received a proper debt validation notice, nor did I receive original creditor documentation. This is a violation of FCRA 609 ( a ) ( 1 ) and FDCPA Section 809. Experian is also in violation of FCRA Section 607 ( b ) for reporting unverified, inaccurate collections. 
XXXX, XXXX Account # : XXXX * * Collection Date Opened : XX/XX/XXXX High Balance : {$1400.00} This collection is being reported without a validated debt. I requested proper verification under the FCRA and FDCPA, but none was provided. Experians continued reporting is reckless and harmful. FCRA Section 611 ( a ) and 609 ( a ) ( 1 ) require Experian to verify or delete disputed information which has not been done. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX High Balance : {$830.00} XXXX is reporting this account inaccurately. There is no original documentation and no notice provided of the collection, and I dispute the debt entirely. This violates FCRA 607 ( b ), 611 ( a ), and FDCPA Section 809. Experians allowance of this unverifiable collection to persist violates my rights and causes serious harm. 
XXXX XXXX XXXX XXXX Account # : XXXX * * Collection Date Opened : XX/XX/XXXX High Balance : {$770.00} This account was added recently without my knowledge or consent. I have not received any prior notice, and no documentation has been provided. The information is unverifiable, and Experian did not notify me of this entry. This is a clear violation of FCRA Section 611 ( a ), 609 ( a ), and Section 607 ( b ). The collection appears fraudulent, and Experians failure to investigate is unlawful.

I am requesting that the CFPB investigate Experian for its ongoing pattern of negligent reporting, failure to properly investigate disputes, and refusal to remove unverifiable or incorrect information. This behavior has resulted in significant personal and financial harm, and it must be addressed through regulatory enforcement.

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