Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by reporting false, incomplete, and damaging information on my credit file. I have repeatedly disputed these items directly with Experian, but they remain uncorrected, causing me financial and personal harm. 

Experian continues to report multiple inaccurate addresses that do not belong to me, including : XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; and XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. These addresses are not my current or accurate residence, and their presence raises concerns about file mixing or possible identity theft. 

In addition, Experian has left on my file several charge-offs, late payments, and collections that are inaccurate and misleading. For example : XXXX XXXX ( opened XX/XX/XXXX, balance {$480.00} ) is marked as a charge-off, even though the reporting is incomplete and unverifiable. 

XXXX XXXX ( opened XX/XX/XXXX, balance {$900.00} ) is showing as a charge-off, but the account status conflicts with the actual repayment history. 

Multiple Department of EducationXXXX accounts ( opened XXXX with balances ranging from {$1000.00} to {$4000.00} ) are inaccurately showing late payments without proper investigation or validation. 

XXXX XXXX ( opened XX/XX/XXXX, balance {$0.00} ) is still showing as a charge-off, which is contradictory and misleading since the balance is XXXX. 

XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$730.00} ) and XXXX ( opened XX/XX/XXXX, balance {$1500.00} ) are reported as charge-offs, but neither company has provided proper validation of the debt. 

XXXX XXXX ( opened XX/XX/XXXX, balance {$430.00} ) is reported as a collection account, but I never received proper notice or documentation as required under the FDCPA and FCRA. 

Experian is also allowing a large number of unauthorized and excessive inquiries to remain on my report, including XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Many of these inquiries were made without my consent and have negatively impacted my credit score.

Under the FCRA, Experian is required to conduct a reasonable investigation into disputes, remove unverifiable information, and ensure accuracy in reporting. Instead, Experian has failed to remove or properly verify these items. This failure has harmed me by lowering my credit score, making it harder for me to access fair credit opportunities, and causing significant XXXX. 

I request that the CFPB investigate Experian for their repeated violations of the FCRA, compel them to delete the inaccurate addresses, charge-offs, late payments, collections, and inquiries from my report, and ensure that my credit file reflects only accurate, verifiable, and legally compliant information.

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