Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I am submitting this complaint against Experian Information Solutions XXXX XXXX for repeated failures to maintain accurate personal identifying information on my consumer credit report, despite multiple disputes submitted online and by telephone. 

Although the street name is spelled correctly, Experian repeatedly reports my address without my apartment number, which renders the address incomplete, inaccurate, and misleading in a multi-unit residential complex. 

Repeated Disputes & Pattern of Reinsertion I have disputed this issue : Multiple times online Multiple times by phone with Experian representatives During phone disputes, I was advised that both versions of the address were removed. However, Experian later re-added the incorrect address without the apartment number, often alongside the correct address. 

Each time the correct address is added, the incomplete address is also reintroduced without notice, explanation, or identification of the reporting source. 

Failure to Notify & Account-Level Inaccuracies Experian fails to : Notify me when the incorrect address is reinserted Identify which furnisher or account caused the reinsertion Ensure consistency of identifying information across accounts As a result, my credit report continues to reflect inaccurate personal information, undermining the integrity and reliability of the report. 

Resulting Harm & Inaccuracy of the Credit Report Because Experian continues to report an incomplete and inaccurate address : My credit report does not meet the FCRA standard of maximum possible accuracy The report may be used by lenders, insurers, or other parties based on incorrect identifying data I have been forced to repeatedly dispute the same issue, causing unnecessary time, effort, and stress This ongoing inaccuracy has materially compromised the accuracy of my consumer report. 

Violations of Federal Law Experians conduct violates multiple provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation after disputes ( including phone disputes ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to correct or delete information that can not be verified as accurate 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Improper reinsertion of disputed information without appropriate safeguards or notice Request for CFPB Action & Compensation Review I respectfully request that the CFPB require Experian to : Permanently remove the incomplete address lacking the apartment number Ensure that only the accurate address below appears on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identify and correct any account-level reporting that continues to reintroduce the inaccurate address Provide written confirmation of all corrections Review whether Experians repeated failures and improper reinsertion practices warrant compensation or other relief, as allowed under the FCRA If Experian is unable to maintain accurate personal identifying information after repeated disputes, the continued reporting of inaccurate data should be considered willful or negligent noncompliance, subject to applicable remedies under 15 U.S.C. 1681n and 1681o. Thank you for your attention to this matter and for enforcing consumer protections under 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