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: TX

Complaint narrative:
I am submitting this formal complaint against Experian for reporting multiple inaccurate and harmful items on my credit report, which remain unresolved even after previous disputes. This complaint includes incorrect addresses, inaccurately reported accounts with late payments and charge-offs, and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws. These inaccuracies have caused me emotional distress, financial harm, and have interfered with my ability to access credit, employment, and housing. I am demanding immediate investigation and permanent removal of these disputed items from my credit report as required by law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This address is not mine, I have never lived here or used this location for any financial purpose. Its presence on my credit report is a violation of FCRA 605 ( b ), which prohibits the inclusion of inaccurate address data. Reporting inaccurate identifiers is also a violation of FCRA 607 ( b ), as Experian failed to follow reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have never resided at or been associated with this address in any capacity. Experian is in violation of FCRA 602 ( A ), 607 ( b ), and 609 ( a ) ( 1 ), by failing to verify the accuracy of this personal information. These violations have harmed my credit reputation and risked identity confusion or fraud exposure. 
DEPT OF ED/XXXX  Account # : XXXX XXXX Late Payments * * Date Opened : XX/XX/XXXX | High Balance : {$3500.00} This account is inaccurately reporting late payments. I have documentation to support that payments were made timely or within acceptable hardship allowances during forbearance periods. Experians failure to properly investigate this dispute violates FCRA 611 and 607 ( b ). Additionally, under the CARES Act, federal student loan payments during forbearance should not be marked delinquent. 
DEPT OF ED/XXXX  Account # : XXXX Late Payments * * Date Opened : XX/XX/XXXX | High Balance : {$2000.00} This is another duplicate or related account falsely showing late payments. I submitted disputes with supporting evidence, yet Experian failed to correct or validate the information. This is a direct violation of FCRA 1681i ( Reinvestigation of Disputed Information ), and 1681e ( b ) ( reasonable procedures to assure maximum accuracy ). 
XXXX XXXX XXXX Account # : XXXX Late Payments * * Date Opened : XX/XX/XXXX | High Balance : {$14000.00} This account inaccurately reflects late payments that were either not due or covered under COVID-19-related relief. Reporting such derogatory information without sufficient validation constitutes willful negligence under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). Experian is also in violation of FCRA 611 for not conducting a proper reinvestigation upon my dispute. 
XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Charge Off * * Date Opened : XX/XX/XXXX | High Balance : {$32000.00} This account has been charged off and is reporting inaccurately. I have disputed this with no valid response or proof of liability. I never received validation of debt under FDCPA 809 ( a ). Experians reporting of this charge-off without verification or investigation violates FCRA 611, 607 ( b ), and 609 ( a ) ( 1 ). This has severely damaged my credit rating and financial stability.

Conclusion and Request for Relief Experian has failed to comply with federal laws governing the accuracy and fairness of credit reporting. Despite previous attempts to resolve these matters, the agency has refused to correct blatantly inaccurate and harmful data. These actions constitute reckless disregard for my rights under the Fair Credit Reporting Act and related consumer protections. I request CFPB to initiate an immediate investigation into Experians conduct and compel them to : 1. Permanently delete the incorrect addresses listed above 2. Remove all inaccurate late payments and charge-off statuses from the listed accounts 3. Provide detailed responses with documentary validation of each item 4. Impose penalties or sanctions as applicable under law This unresolved dispute has caused me emotional stress, credit denials, and reputational harm. I am exercising my right to relief and protection under consumer law, and I trust the CFPB will take immediate and appropriate action.

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