Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
Experian is reporting inaccurate and unverifiable information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Despite my disputes, Experian has failed to ensure maximum possible accuracy under 1681e ( b ) and has continued to report unverifiable information instead of deleting it as required under 1681i. 

Details of the Complaint : Wrong Address Reporting Experian continues to list XXXX XXXX XXXX XXXX, XXXX, NY XXXX as my address, despite the fact that this is incorrect. Reporting an inaccurate address creates a risk of fraud and misidentification. Under the FCRA, 1681e ( b ) requires Experian to maintain accurate identification information, and 1681i requires deletion of unverifiable data once disputed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Experian is reporting this account without providing any proof of a valid contract, application, or verification. This violates 1681i ( a ), which requires reinvestigation and deletion of unverifiable data. 

XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Balance : {$960.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account is listed with an alleged balance of {$960.00}, but no verification has been provided. Continued reporting without validation violates 1681e ( b ) and 1681i. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account shows a {$0.00} balance, yet it continues to be reported. Reporting inactive, XXXX accounts in a misleading way violates 1681e ( b ), as it does not reflect an accurate or complete picture of my credit. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This is another XXXX XXXX account with a {$0.00} balance being reported without clear purpose. Unverifiable XXXX tradelines are misleading and must be deleted under 1681i.

Harm Suffered : Because Experian has failed to comply with the FCRA, I have been denied fair credit opportunities, subjected to unnecessary financial hardship, and left vulnerable to identity confusion due to the inaccurate address. The ongoing reporting of unverifiable and misleading information has caused significant reputational and financial damage.

Requested Resolution : Immediate deletion of the false address. 

Removal of the XXXX XXXX, XXXX, and XXXX XXXX accounts unless Experian can provide original, verifiable documentation of their accuracy. 

Written confirmation from Experian that these items have been deleted or verified in compliance with the FCRA.

Applicable Law : FCRA 1681e ( b ) : Requirement for maximum possible accuracy.

FCRA 1681i : Duty to reinvestigate and delete unverifiable data.

FCRA 1681s-2 ( b ) : Duty of furnishers to provide accurate 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