Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for reporting inaccurate, outdated, and unverifiable information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The inaccurate data continues to damage my creditworthiness, interfere with lending opportunities, and cause me significant emotional and financial harm. Despite prior disputes, Experian has failed to conduct reasonable investigations or remove the false data. The following are the specific issues I am raising : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This address is being falsely reported on my credit report by Experian. I have never lived at or been associated with this address in any capacity. Its presence on my report indicates either a data entry error or a mixed file situation.

Violation : FCRA Section 1681e ( b ) Experian failed to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

Story : This incorrect address has no connection to me. Its continued presence increases the risk of identity confusion, misidentification, and inaccurate reporting of account data. I have submitted disputes but Experian has not removed this clearly erroneous address. This is a gross violation of my rights under the FCRA, and I request that this address be permanently deleted from my credit file. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : This account is being inaccurately reported as a charge-off despite being disputed. I do not recognize this account and have no verified relationship with XXXX XXXX. 
Violation : FCRA Section 1681i Failure to conduct a reasonable investigation upon dispute ; Section 1681e ( b ) Failure to ensure maximum possible accuracy.

Story : Experian has continued to report this XXXX XXXX charge-off account without verifying its legitimacy. I formally disputed this account, yet Experian marked the dispute as " verified '' without providing any supporting documentation or validation. This negligence has significantly lowered my credit score, caused me to be denied for credit, and triggered emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Issue : This account is listed as charged off even though I have no knowledge of this account and have never done business with XXXX XXXX XXXX. 
Violation : FCRA Section 1681b Reporting information without permissible purpose ; Section 1681i Failure to investigate disputed information.

Story : This account appears to be the result of either a mixed file or identity theft. I never opened or authorized any credit with XXXXXXXX XXXX XXXXXXXX. Despite repeated disputes, Experian has not corrected this entry or provided any proof of my association with the account. Their failure to investigate and provide verifiable evidence is a serious breach of their legal obligations. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$15000.00} Date Opened : XX/XX/XXXX Issue : This account is inaccurately being reported as a charge-off. I have already paid the account and settled the balance with the original creditor.

Violation : FCRA Section 1681s-2 ( b ) Duty to correct and update information after receiving a notice of dispute ; Section 1681e ( b ).

Story : I resolved this account and submitted proof of payment to Experian, yet they continue to report it as a derogatory charge-off. This is not only harmful but also a direct violation of their legal duty to maintain accurate and up-to-date information. Their refusal to fix this even after I provided documentation is unacceptable and unlawful. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Issue : This account is being reported as charged off without proper validation. I do not have any open or defaulted accounts with XXXX. 
Violation : FCRA Section 1681e ( b ) ; Section 1681i Failure to conduct a reasonable investigation.

Story : This derogatory item has severely affected my credit standing, yet Experian has not been able to produce any verifiable documentation that proves this debt belongs to me. The account appears to be fraudulent or mistakenly attributed to my file, and despite my good-faith attempts to dispute, Experian continues to report the charge-off without compliance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Issue : This is a collection account being reported without proper validation and in violation of my rights. The debt is not mine and has not been validated.

Violation : FCRA Section 1681g Right to full disclosure ; FDCPA Section 809 ( b ) Right to validation of debt ; FCRA Section 1681i.

Story : This collection account is illegitimate. I submitted a direct dispute and debt validation request, but no documentation was ever provided by Experian or the furnisher. Under federal law, unverified and disputed collections must be removed. Experians failure to do so shows willful noncompliance and negligence.

Final Summary : The items above demonstrate multiple, repeated violations of the FCRA and related consumer protection laws by Experian. I am demanding immediate intervention by the Consumer Financial Protection Bureau to compel Experian to ( 1 ) permanently delete the false address, ( 2 ) remove the unverifiable and inaccurate accounts listed above, and ( 3 ) conduct a full investigation into their practices. The emotional, financial, and reputational damage I have suffered as a result of Experian 's reporting negligence has been immense. I am requesting full relief, including correction of my credit report and any other corrective action deemed necessary by the Bureau.

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