Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
To Whom It May Concern I am filing a formal complaint against Experian for continued violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and associated consumer protection laws Experian has failed to maintain accurate, fair, and verifiable information on my credit report despite my prior disputes and clear documentation provided This has caused me financial harm and emotional distress Below is a detailed list of items Experian is unlawfully reporting along with corresponding legal references and issue explanations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is inaccurate and does not belong to me Reporting a false address violates FCRA Section 1681e ( b ) which mandates that consumer reporting agencies maintain maximum possible accuracy of the information they report This also violates my right to privacy under Section 1681c ( a ) ( 4 ) as it allows unauthorized data association with my profile XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Address This address is also incorrect and has no connection to me Experian failed to properly investigate and delete this address despite previous disputes and sufficient documentation This is a direct violation of FCRA Section 1681i ( a ) which requires reinvestigation when a consumer disputes accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1900.00} Late Payment This account is inaccurately reporting late payments that I have already disputed with proof Experian did not conduct a lawful reinvestigation in violation of FCRA Section 1681i and continued to furnish inaccurate data in violation of FCRA Section 1681e ( b ) This negligence has severely impacted my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1600.00} Late Payment This tradeline reflects false derogatory late payments Experian failed to verify this with proper documentation and continues to publish this negative information contrary to FCRA 1681i ( a ) and 1681e ( b ) Their failure to remove unverifiable information shows willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1700.00} Late Payment This account inaccurately reports late payments which I formally disputed Experian did not provide evidence of investigation nor did they correct the entry which constitutes a breach of FCRA Section 1681s-2 ( b ) that requires furnishers to correct and update inaccurate information and Section XXXX ( a ) regarding proper dispute handling XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Late Payment Experian has reported late payments that were never delinquent I submitted timely dispute documentation but they continued reporting without verifying facts violating FCRA 1681e ( b ) and 1681i ( a ) Their inaction continues to damage my credit reputation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$1800.00} Late Payment This account contains inaccurate historical payment data which has not been corrected despite multiple disputes Experians failure to investigate and delete unverifiable data is in direct violation of FCRA Section 1681i ( a ) and is causing ongoing harm to my credit eligibility and reputation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : {$6800.00} Late Payment This tradeline reflects multiple inaccurate late payments which I never incurred Experian has continued to report these inaccuracies after multiple disputes and requests for correction which breaches the requirements of both FCRA 1681e ( b ) for accuracy and 1681i for reinvestigation Experians continued publication of inaccurate, outdated, and false information even after lawful disputes and documentary evidence violates my rights under the FCRA The agency has demonstrated a pattern of reckless noncompliance, failing in their duty to ensure accuracy, update or remove erroneous data, and respond properly to consumer disputes under FCRA 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ) I am requesting immediate intervention from the Consumer Financial Protection Bureau to ensure that Experian corrects and deletes all inaccurate and unverifiable information from my credit report I am also requesting that this matter be formally investigated and that Experian be held accountable for its continued violations

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