Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I am submitting this complaint because Experian is reporting multiple inaccurate, misleading, duplicate, and unverifiable items in my credit file, all of which are causing me significant financial harm. These errors are violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires Experian to maintain maximum possible accuracy and to delete unverifiable information when disputed. Despite these protections, Experian has continued to publish false data on my file that damages my creditworthiness, reputation, and financial opportunities. 

My credit report shows addresses that do not belong to me, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I have never lived at these addresses, yet they are tied to my identity and create the false appearance of multiple residences or fraudulent activity. 

Experian is also reporting numerous accounts with inaccurate and unverifiable late payments. These include XXXX XXXX * * * * with a balance of {$5700.00}, XXXX XXXXXXXX * * * * reported twice with XXXX different balances of {$10000.00} and {$6100.00}, XXXX  XXXX * * * * with {$4500.00}, XXXX XXXXXXXX * * * * with {$2300.00} reported multiple times, XXXX  XXXX * * * * reported twice with XXXX different balances of {$6100.00} and {$9800.00}, and XXXX XXXX * * * * with {$1200.00}. There is also XXXX XXXX * * with a balance of {$2900.00}. These repeated, conflicting, and duplicate tradelines not only inflate negative reporting but also mislead lenders, which is prohibited under FCRA 1681e ( b ). 

In addition to the inaccurate late payment accounts, Experian is reporting charge-offs and collections that are not verified or substantiated. These include XXXX XXXX XXXX XXXX * * * * with a balance of {$1300.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX * * * * with {$1700.00} reported as a collection, XXXX XXXX XXXX XXXX * * * * with {$1100.00} reported as a charge-off, XXXX  XXXX * * * * with a XXXX balance but still reported derogatorily as a charge-off, and XXXX XXXX XXXX XXXX * * XXXX XXXX XXXX {$230.00} reported as a charge-off. These entries remain on my file without any proof of ownership, assignment, or validation, which directly violates FCRA 1681i ( a ). 

The reporting of false addresses, unverifiable late payments, duplicate tradelines, conflicting balances, and unvalidated charge-offs and collections reflects XXXX failure to comply with its obligations under the FCRA. These inaccuracies have already caused me credit denials, higher interest rates, and significant stress in my financial life. The law requires that Experian conduct a proper reinvestigation of disputed information and delete anything that can not be verified with complete documentation from the original creditor or debt owner. Experian has not fulfilled this duty. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to enforce the Fair Credit Reporting Act against Experian, require them to delete or correct all of the inaccurate and unverifiable items listed above, and ensure that Experian complies with federal law going forward. These violations are not minor errors but serious breaches of consumer protection law that continue to cause me harm every day.

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