Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am filing a formal dispute and complaint against Experian for its repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding its refusal to remove inaccurate addresses from my credit file despite multiple disputes. Experian has consistently failed to conduct a reasonable investigation as required by law, and I am demanding immediate corrective action. 

Violations of FCRA and Experians XXXX Investigations XXXX. Failure to Remove Inaccurate and Undeliverable Addresses Under the FCRA ( 15 U.S.C. 1681i ( a ) ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. I have disputed these addresses multiple times, and Experian has wrongfully verified them despite the fact that they are non-deliverable to me and no longer associated with any of my active accounts. According to 15 U.S.C. 1681c ( a ) ( XXXX ), outdated and inaccurate addresses must be removed from my credit report. 
XXXX. Failure to Report Accurate Information The only reportable address associated with me is XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, CA XXXX. Both XXXX and XXXX have correctly listed this as my only address, yet Experian refuses to report accurate information. There is no legitimate reason for Experians continued failure to update my file, and this refusal constitutes a clear violation of my rights under the FCRA. 
XXXX. Contradictory and Deceptive Dispute Resolution I recently disputed the incorrect addresses on my file, and Experian responded by stating : The incorrect address has been updated on your report. This response is both illogical and deceptivehow can an incorrect address be updated rather than removed? This contradicts the FCRAs requirements, which mandate that inaccurate information be deleted, not modified. This further confirms Experians pattern of sham dispute investigations, which the CFPB has already taken legal action against. 
XXXX. Failure to Conduct a Proper Investigation The CFPB recently sued Experian for engaging in sham dispute investigations, where disputes are improperly verified without real verification. The CFPBs enforcement action highlights Experians systematic failure to comply with the FCRA, and my case is yet another example of its unlawful practices. Experian is required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a meaningful review of disputed items, yet it continues to unlawfully retain incorrect addresses on my file. 
XXXX. Violation of My Consumer Rights and Deceptive Practices By refusing to remove these disputed addresses despite my clear documentation and updated information from creditors, Experian is engaging in deceptive and unfair practices under the Consumer Financial Protection Act ( 12 U.S.C. 5531 and 5536 ). The presence of incorrect addresses on my credit file can lead to improper credit decisions, fraud risk, and other financial harm. 

Formal Demand for Immediate Resolution Due to Experians ongoing noncompliance, I am demanding the following : Immediate deletion of any and all addresses that are inaccurate, outdated, or non-deliverable to me. 
A written response from Experian confirming the permanent removal of these addresses. 
An explanation of how Experian verified these addresses, including the method and source used for verification. 
Clarification of why Experian chose to update an incorrect address instead of deleting it as required by law. 
A complete review of Experians dispute-handling process regarding my file, ensuring full compliance with federal consumer protection laws. 

I have attached a copy of my government-issued identification, which clearly lists my only and current address : XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. This serves as indisputable proof of my correct address, leaving Experian with no legal justification to continue reporting inaccurate information. 

If these demands are not met within 15 days, I will escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), my states Attorney General, and pursuing legal action under the FCRA, which allows for statutory damages of up to {$1000.00} per violation, plus punitive damages and attorneys fees. 

Experian has already been exposed for its fraudulent dispute-handling practices. I expect the CFPB to take this complaint seriously and ensure that Experian is held accountable. I look forward to your immediate response and resolution.

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