Consumer complaint received 2025-07-08 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 submitting this formal complaint against Experian for their continued failure to accurately maintain my consumer credit file, despite multiple attempts to resolve these serious inaccuracies. My credit report currently reflects numerous wrong addresses, unverifiable accounts, charge-offs, late payments, and collectionsall of which are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically sections 1681e ( b ), 1681i ( a ), 1681s-2 ( b ), and 1681c. 
XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This address is falsely being reported on my Experian credit file. I have never lived at or been affiliated with this location. Its presence is inaccurate and misleading.

Law : FCRA 1681e ( b ) requires Experian to maintain maximum possible accuracy. Reporting a false address reflects a failure in basic verification.

Story : This misreported address is damaging because it causes identity confusion, leads to failed verification attempts by lenders, and affects my eligibility for housing and credit. I have submitted disputes, but Experian has ignored factual evidence proving this is not mine. This shows reckless disregard for my consumer rights and obligations under federal law. 
XXXX XXXX XXXXXXXX XXXX Late Payment High Balance : {$430000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Account shows late payments that are inaccurate and do not match my payment records.

Law : FCRA 1681i ( a ) failure to reinvestigate upon dispute, 1681e ( b ) failure to maintain accuracy.

Story : I submitted proof to Experian showing that I made timely payments on this mortgage, but they continue reporting false delinquencies. This misreporting has severely impacted my creditworthiness, mortgage refinancing options, and triggered higher interest rates due to an artificially lower score. 
XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$7000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charge-off is being reported without any documentation or verification from the original creditor. 
Law : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) mandates accurate, verifiable, and properly investigated reporting.

Story : This charge-off entry does not reflect any account I owned or recognized activity. I requested validation under my rights but received nothing. Experian is publishing derogatory information without due diligence, which is reckless and illegal under federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$4700.00} Date Opened : XX/XX/XXXX * * Issue : Inaccurate balance and unverified charge-off.

Law : FCRA 1681e ( b ), 1681i ( a ).

Story : This account has discrepancies in terms of amount, dates, and payment activity. I believe the data is outdated or erroneous. Experian failed to validate it during my disputes, which continues to harm my credit file unjustly. 
XXXX XXXXXXXX XXXX  Charge Off High Balance : {$3900.00} Date Opened : XX/XX/XXXX * * Issue : Reporting unverified charge-off despite dispute. 
Law : FCRA 1681s-2 ( b ), 1681i ( a ).

Story : I asked Experian to provide validation documents from Discover, which they failed to do. This charge-off is harming my reputation, preventing me from obtaining business credit, and shows their blatant negligence. 
XXXXXXXX XXXX XXXX XXXX  Charge Off High Balance : {$1400.00} Date Opened : XX/XX/XXXX * * Issue : False charge-off, no validation. 
Law : FCRA 1681e ( b ).

Story : I have no recollection of this account. I never received any billing or communication from XXXX. The presence of this tradeline reflects poor data management by Experian and raises concerns about identity misuse or mixed file issues. 
XXXX XXXXXXXX XXXX  Charge Off High Balance : {$9200.00} Date Opened : XX/XX/XXXX * * Issue : Unverified, old, possibly fraudulent account. 
Law : FCRA 1681c ( a ) ( 4 ), 1681i ( a ).

Story : I have no relationship with XXXX or XXXX XXXX The reported data is outdated and never validated. Its affecting job applications requiring background/credit checks and needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$8100.00} Date Opened : XX/XX/XXXX * * Issue : Duplicate entry from XXXX XXXX XXXXXXXX. 
Law : FCRA 1681e ( b ).

Story : Same creditor already reported above. Reporting same debt twice in different entries is misleading and inflates debt appearance. This violates my right to fair reporting. 
XXXX XXXX XXXX  Charge Off High Balance : {$1600.00} Date Opened : XX/XX/XXXX * * Issue : Not my account. 
Law : FCRA XXXX, XXXX ( b ). 
Story : I suspect this may be identity theft or mixed file. Despite informing Experian, they continued reporting without verification or fraud block. This has caused distress and denied me emergency credit. 
XXXX XXXX XXXX XXXX XXXX  Late Payment High Balance : {$7100.00} Date Opened : XX/XX/XXXX * * Issue : Incorrect late payments. 
Law : FCRA XXXX ( b ). 
Story : Ive always paid XXXX XXXX on time. My bank statements prove this. Experian refuses to update it, causing me to appear irresponsible to lenders. 
XXXX XXXX XXXX XXXX Charge Off High Balance : {$1300.00} Date Opened : XX/XX/XXXX * * Issue : Not my account. 
Law : FCRA 1681i ( a ), 1681e ( b ).

Story : This entry is completely unknown to me. It may be a fraudulent or mixed file issue. Experian failed to verify despite multiple disputes. 
XXXX XXXX XXXX XXXX Late Payment High Balance : {$29000.00} Date Opened : XX/XX/XXXX * * Issue : Incorrect reporting of late payment. 
Law : FCRA 1681s-2 ( b ), 1681e ( b ).

Story : This inaccurate late payment affects my auto refinancing eligibility. Experian did not act reasonably or correct this upon evidence submission. 
XXXX XXXX XXXXXXXX XXXX  Charge Off High Balance : {$15000.00} Date Opened : XX/XX/XXXX * * Issue : False charge-off. 
Law : FCRA 1681e ( b ).

Story : This account was paid on time and closed in good standing. The charge-off label is false and has cost me loan opportunities. XXXX XXXX XXXX XXXX Late Payment High Balance : {$21000.00} Date Opened : XX/XX/XXXX * * Issue : Late payment reporting is incorrect. 
Law : FCRA 1681e ( b ).

Story : Payments were made electronically and cleared before due dates. Experian did not investigate this after dispute and continues to harm my credit history. 
XXXX XXXXXXXX ( all accounts listed : XXXX, XXXX XXXX XXXX etc. ) Charge Offs and Late Payments High Balances from {$100.00} to {$1200.00} Dates : XX/XX/XXXX to XX/XX/XXXX * * Issue : Numerous fraudulent, duplicate, or incorrect entries. 
XXXX : FCRA XXXX ( b ), XXXX ( a ), XXXX. 
Story : Experian is reporting XXXX Affirm entries with inaccurate balances, statuses, and duplication. Many are not mine. This volume of error indicates file contamination or identity theft. Experian failed to validate any of them and continues violating my rights with each day these entries stay on file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$27000.00} Date Opened : XX/XX/XXXX * * Issue : Not my account. 
Law : FCRA 1681e ( b ).

Story : I never opened any account with XXXX XXXX. This charge-off was never verified or documented. This false account heavily affects my mortgage approvals and must be removed. 
XXXX XXXX XXXXXXXXXXXX XXXX Collection High Balance : {$2300.00} Date Opened : XX/XX/XXXX * * Issue : XXXX is a known debt buyer reporting unverifiable data. 
Law : FCRA 1681i ( a ), 1681s-2 ( b ).

Story : This collection agency has failed to provide validation. I asked Experian to remove it under my dispute rights, but they kept reporting it without evidence. 
XXXX XXXX XXXXXXXX Collection High Balance : {$76.00} Date Opened : XX/XX/XXXX XXXX XXXX Issue : Small collection not mine. 
Law : FCRA 1681e ( b ).

Story : This {$76.00} collection is false and was never billed to me. It may be a utility or telecom service error. Still, Experian failed to remove it. 
XXXX XXXX XXXXXXXX XXXX  Collection High Balance : {$2000.00} Date Opened : XX/XX/XXXX * * Issue : Portfolio Recovery is listing unverifiable, possibly expired debt. 
Law : FCRA 1681i ( a ), 1681c ( a ) ( 4 ).

Story : I never received a notice about this debt. They can not validate it. Experian should not allow reporting of collections without proof, especially from a debt buyer.

This complaint is being filed due to Experians systemic failure to comply with the FCRA. These inaccuracies have harmed me emotionally and financially. I am seeking full investigation, immediate correction or deletion of all inaccurate, unverifiable, and obsolete information, and potential regulatory enforcement. My rights under the Fair Credit Reporting Act entitle me to fair and accurate reporting, which Experian has consistently violated.

I request that CFPB take appropriate action and require Experian to respond to this complaint within the required statutory time frame, with proof of compliance and deletion where applicable.

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