Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
am writing to formally dispute and request the deletion of certain accounts on my credit report maintained by Experian. These accounts are associated with the address XXXX XXXX XXXX, which Experian has already removed from my credit file due to its inaccuracy. 

Despite the removal of this address, Experian continues to report negative accounts linked to it. Additionally, names such as XXXX XXXX, XXXX XXXX, and XXXX XXXX are not my legal nameremain on my report. These names have no verifiable connection to my current or previous addresses. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to ensure that all information on my credit report is accurate and verifiable. The continued reporting of these accounts and names violates this obligation. 

I respectfully request the following actions : 1. Immediate deletion of all accounts associated with the removed address XXXX XXXX XXXX. 
2. Removal of all inaccurate names not legally associated with me, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Written confirmation that my credit file has been corrected and that no further reinsertion of this inaccurate information will occur without full compliance with FCRA reinvestigation procedures under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Failure to address these issues may result in further legal action, as Experian is already subject to ongoing litigation regarding similar consumer protection violations.

Experian has been communicating with me outside of the CFPB portal in response to a dispute that is already under federal review. Despite filing a formal complaint through the CFPB and uploading documentation, Experian sent a private email on [ XX/XX/2025 ] from XXXX instead of responding through the complaint portal as required. 

This is not only a procedural violation, it appears to be an attempt to avoid accountability and suppress the visibility of their response. 

Additionally, Experian continues to report inaccurate names ( including XXXX XXXX, XXXX, and XXXX ) tied to a deleted address ( XXXX XXXX XXXX ), which I have disputed with full documentation. These errors are tied to derogatory accounts that do not belong to me. 

I am requesting the CFPB take enforcement action against Experian for : 1. Failing to properly respond to my complaint within the CFPB portal ; 2. Continuing to report false information despite documented disputes ; 3. Communicating outside of the official complaint process, undermining transparency. 

I have attached proof of the Experian email as well as screenshots from my credit report showing the inaccurate personal information still present. 


I am submitting this update in response to Experians interim contact with me, which was not sent through the official CFPB portal and did not address the legal violations I raised. I have attached a screenshot of their message and my updated dispute letter in PDF format.

In their message, Experian admits to using information obtained from a public record source, which is a violation under the Fair Credit Reporting Act ( FCRA ). Credit reporting information must be verifiable and accurate, and public records do not include signed consumer credit agreements. I have no contracts, no signatures, and no verifiable authorization for the disputed accounts. 

Additionally : Experian claims to verify with furnishers using an address that has since been removed from my file XXXX XXXX XXXX which further invalidates any verification claims they may present.

I have no bankruptcies or liens and have never received validation from the furnishers involved.

The disputed accounts are tied to inaccurate names and addresses, many of which have already been removed from my report. I am demanding full deletion of the inaccurate accounts and all associated data based on lack of verification and violation of FCRA statutes
including 15 U.S.C. 1681i. 
Sincerely XXXX XXXX XXXX

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