Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is currently reporting multiple addresses on my credit report that are inaccurate, outdated, and not associated with my residential history. The only address that is valid and should be reflected on my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. This is my current and only residence. I have never lived at or used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, yet both of these unrelated California addresses continue to appear in the previous address section of my Experian report, creating confusion and misrepresenting my identity. 

The presence of these incorrect addresses is not a harmless clerical errorit is a violation of my rights under the Fair Credit Reporting Act. Experian is obligated by 15 U.S.C. 1681e ( b ) to maintain and report only the most accurate, complete, and relevant information in a consumers credit file. Including addresses that do not belong to me and have no connection to my residential history undermines the reliability of my credit report and exposes me to the risk of misidentification, confusion during verification processes, and potential mismatching of credit information or derogatory accounts that are not mine.

I submitted a dispute through Experians online system, clearly identifying the two inaccurate addresses and confirming that I have never resided at either of them. In response, I received the standard canned notice that the addresses were verified without any supporting documentation, explanation, or indication that Experian actually attempted to investigate or validate the legitimacy of these address entries. That is not verificationit is a violation of 15 U.S.C. 1681i ( a ), which requires a credit reporting agency to conduct a reasonable reinvestigation of any disputed item. Blindly retaining unrelated addresses with no documentation or proof is not reasonableit is negligent. 

The continued reporting of XXXX XXXX XXXX in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX in XXXX on my credit file suggests that Experian is recycling outdated or mismatched third-party data, and it calls into question the bureaus internal procedures for verifying the origin and legitimacy of address data before publishing it. I should not be burdened with the consequences of Experians failure to scrub incorrect information from my file. These addresses have caused confusion during verification checks and application reviews. Ive been delayed in account openings, flagged for ID verification, and forced to explain information that simply should not be on my record. The emotional frustration of having to constantly defend my identity to lenders and institutions due to Experians inaction is exhausting, humiliating, and completely unacceptable.

Experians refusal to correct these inaccuracies not only misrepresents my identity, it also raises serious concerns about how Experian maintains the integrity of its consumer data. Reporting information tied to addresses that have no factual link to my life is a fundamental breach of trust and violates the basic standards of accuracy mandated by federal law.

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