Consumer complaint received 2025-07-01 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: TN

Complaint narrative:
I am filing this formal complaint against Experian for the continued reporting of inaccurate, incomplete, and unverifiable information on my credit report despite my previous dispute attempts. These entries are seriously impacting my creditworthiness, mental health, and access to housing and financial opportunities. I have submitted disputes, yet Experian has failed to conduct a proper reinvestigation or remove clearly inaccurate data in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, 1681e ( b ), and Fair Debt Collection Practices Act ( FDCPA ). Below is a list of the inaccurate data with details and legal violations : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This is an incorrect and unauthorized address. I have never resided at or had any connection with this location. Reporting such an address misrepresents my identity and location. 
Violation : FCRA 1681e ( b ) Failure to maintain accuracy of consumer report Story : This address was likely reported by a third party in error or due to identity confusion. Despite my prior disputes, Experian has continued reporting it. I am requesting its immediate deletion as it is causing serious confusion and affecting my verification processes. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : I have never lived at this address. It appears on my report due to either mixed files or incorrect data furnished by a third party. 
Violation : FCRA 1681c ( f ) and 1681e ( b ) Obsolete or inaccurate address reporting Story : This erroneous address could be damaging in identity verification, background checks, and financial access. I have never had an account or connection with this location, yet Experian failed to remove it after prior dispute. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$180000.00} Issue : This account reflects multiple late payments, which I dispute. I was in a forbearance/hardship program during some of the reported delinquencies. 
Violation : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Furnishing inaccurate information after notice ; 15 U.S. Code 1681i Failure to reinvestigate Story : Experian failed to accurately reflect the forbearance/hardship assistance and did not correct the reporting despite notice. This is inaccurate and misleading. The negative marks should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$560.00} Issue : Late payment is inaccurately reported. I had auto-pay active and no notice of default. 
Violation : FCRA 1681e ( b ), 1681s-2 ( b ) ; FDCPA 807 ( 8 ) False credit reporting Story : I have supporting evidence that payments were made timely or system error was involved. Reporting this as late is unjustified and Experian has failed to verify it properly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$280.00} Issue : Reported late payment is not accurate. I never received any communication regarding a delinquency. 
Violation : FCRA 1681i Failure to conduct reinvestigation ; 1681e ( b ) Story : I disputed the reporting and provided proof, yet Experian kept the negative entry without reinvestigation or proper response. This reflects willful negligence. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | High Balance : {$18000.00} Issue : Late payments reported without validation. There were issues with billing and I was not properly notified. 
Violation : FCRA 1681s-2 ( b ) ; FDCPA 809 Failure to validate debt Story : I requested validation and proper investigation. Instead of correction, Experian continues to report these late marks. The lender never furnished proper billing records to support this claim. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$8200.00} Issue : Incorrect late payment history during COVID-19 relief period. 
Violation : CARES Act Section 4021 ; FCRA 1681s-2 Story : Payments were suspended under federal COVID relief. Reporting lates during this period is unlawful. Experian has failed to correct this after multiple notices. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : - {$1000.00} Issue : Charged off account reported inaccurately. I was actively disputing charges during this period. 
Violation : FCRA 1681s-2 ( b ) ; FDCPA 807 False or misleading representation Story : The charge-off occurred while I was disputing billing issues. Reporting it without fair resolution or proof is inaccurate and damaging. Experian has refused to correct or validate. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$7500.00} Issue : Reported as a collection account with no notice or validation provided. 
Violation : FDCPA 809 ( a ) Validation of debts ; FCRA 1681b Story : I never received notice of collection, validation letter, or opportunity to dispute. Experian is reporting this entry without verifying it meets federal compliance requirements. 
XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$49000.00} Issue : This account includes late payments that fall under the COVID-19 administrative forbearance period.

Violation : CARES Act ; FCRA 1681s-2 Story : These late payments are unlawful as the loan was in administrative forbearance per government policy. Experian is misreporting these periods, which is damaging and illegal.

Summary of Violations : FCRA 1681i Failure to conduct proper reinvestigation after dispute FCRA 1681e ( b ) Failure to ensure accuracy and integrity of reported data FCRA 1681s-2 ( b ) Continuing to report inaccurate information after dispute FDCPA 807, 809 False representation and lack of debt validation CARES Act Improper reporting of student loans during forbearance I am requesting CFPBs intervention to order Experian to : 1. Remove all inaccurate addresses listed above 2. Remove or correct the inaccurate account information listed 3. Investigate Experians repeated non-compliance with the FCRA and FDCPA 4. Compensate me for damages and issue a formal apology for the ongoing harm Please confirm receipt of this complaint and advise on the next steps. All supporting documents and prior dispute letters will be submitted upon request.

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